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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 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. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Debt collection

I have made portfolio recovery aware  on 3 o ccasions that the debt that they were trying to collect did not belong to me. the accounts  XXXX  for the amount of  XXXX  and the account  XXXX  for the amount of  XXXX . I have requested documentation that validates the debt belongs to me since they have not removed it being notified that the debt was not mine. I spok e to one agent that said they would just sell the debt or sue me so i may as will settle it to get  rid of it. I spoke to the next agent after asking for validation again they sent me credit card statements with my name on it for validation. I told them if someone opened an account fraudulently it would be in my name. I sent them a copy of my signature to verify signatures. The agent then instructed me that they do n't have any signatures, contracts, applications or identifications. Yet will not remove this fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax seems to have mingled my information with someone else 's or could be another problem. There was an item on my report that I have disputed but I can not sign in to check on the status for the last five months. Everytime I try to sign on to Equifax online they say the info does not match their records even though I know it is correct. I can see through XXXX XXXX   that they are still saying I have an account in collection even though I do not. I disputed over the phone but can not get a live person to help check the status of the dispute and I can not see my information on the Equifax site because it will not let me sign in. I did tell them three times, once in XX/XX/XXXX, once in XX/XX/XXXX and once in XX/XX/XXXX that the site was not letting me sign in and either blocking me altogether or asking about laons I have never had but never actually letting me in. They have promised to send something in the mail and I have still not received anything and they still have an item as in collection although I have none. I can't reach anyone to help or follow up and they keep sending me in circles while my credit score suffers. This has been goin on since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and found several items that are inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX **** XXXX Account # XXXX Date opened : XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff Transunion *** XXXX Account # XXXX Date opened : XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff XXXX **** XXXX Account # XXXX Date XXXX XXXX XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS PULLED MY CREDIT XX/XX/2022 I DID NOT GIVE XXXX THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF/VALIDATION OF AUTHORIZATION.
Product: Debt collection

I was sent an email from a debt collector only containing information on how to pay the debt and no information on how to dispute or that it was my right to dispute. The debt collector also left a voicemail on the same day containing no information, just a request to call back. When I attempted to call back the person who answered the phone refused to be on a recorded line and immediately hung up the phone. When I called back he would not answer the phone. When I called again he still would not answer so I left a voicemail reminding the debt collector that if he had not delivered any information on the debt he was not permitted to report the debt to credit agencies at this time.
Product: Mortgage

I applied for an investment property mortgage with Quicken loans. I was told by the loan application processor that I had a range of options for determining my interest rate by selecting points that I paid or received. I selected to receive  XXXX  points credit in exchange for accepting the highest interest rate on the spectrum. When my interest rate lock came through, it listed me receiving  XXXX  points instead of the  XXXX  I was told I would receive. When the disclosure papers came through, it had me PAYING  XXXX  points with the still highest interest rate. I was told by  two different people at Quicken that it was just a simple error and they would correc t it. They took off the  XXXX  points, but offered me no credits. I then spoke to the  Director of Mortgage Banking at Quicken who ( verbally ) told  me that they could n't honor the  XXXX  points because it was an investment property but he would issue me a credit in the amount of {$1400.00} to pay application and processing fees. On the day of closing,  Quicken st onewalled my attorney and the title company about providing final closing numbers and delayed the closing by  three hours. By  the time the final numbers came in, the credit they issued was {$1100.00}, not {$1400.00}, or even the amount that was guaranteed in my rate lock paperwork which is now archived and inaccessible to me. The original amount I was told I would receive in credits was {$3700.00}, the points I was told I would be credited wa s ~ {$1 400.00} and the credit I was told I would receive was {$1400.00}. The person at  Quicken who submitted the final numbers did n't know anything about any credits beyond the {$1100.00} and the Director of Mortgage Banking did not return my call when I tried to get clarification at closing. Quicken loans acted dishonestly and in bad faith   throughout this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked both XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX  report, and possibly all of my credit reports XXXX XXXX  and Experian )! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!
Product: Money transfer, virtual currency, or money service

PLEASE HELP!!! 

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im trying to buy a house. This information on my credit profile is holding me a tried numerous times to have these account from Experian Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.Im demanding this be remove
Product: Debt collection

I am writing to file a formal complaint against PERSONIFY, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
PERSONIFY, with contact information at XXXX XXXX XXXX XXXX, TX XXXX, Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that PERSONIFY has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against PERSONIFY to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold PERSONIFY accountable for their unlawful conduct.
Product: Credit reporting or other personal consumer reports

To whom this may concern I have recently received my credit reports and noticed that an account was still on two of my three of my consumer credit reports, but has been removed from XXXX report I am writing this letter to dispute the following account : WELLS FARGO CARD SERV These credit agencies and this collection agency WELLS FARGO CARD SERV are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete. This not happening was also a violation of the law. I do not consent to a computer-generated response nor the XXXX XXXX, show valid proof.
Product: Debt collection

Good afternoon, my name is XXXX XXXX, I am writing to you one more time because I am receiving letters from creditors of accounts that are not mine, I have not applied for any of the accounts that are trying to collect, please do a review of my case to see if you can help me. Thank you
Product: Debt collection

Please see attached identity theft report which states further detail in regard to the fraudulent account published on my credit profile without authorization.
Product: Debt collection

After a hospital stay on XXXX my hospital bill was sent to my insurance and the remaining copay was sent to my address by XXXX XXXX, upon receiving this bill I payed my copay. On XX/XX/XXXX I received a call from a debt collector ( CMRE ) stating that I did not pay a medical bill from XXXX XXXX. After contacting XXXX blue cross they stated that XXXX failed to properly bill my health insurance and also failed to correctly write down my address so I did not receive any bills in the mail or correspondence regarding this bill. 

I have contacted XXXX XXXX and asked for the bill and they refused to email me the bill and refused to help me in any way. They stated I must deal with the debt collector. I contacted the debt collector and they refused to acknowledge that I have full medical insurance through my employer. My health insurance has paid this medical and I am still receiving calls from the debt collection agency and this will adversely affect my credit and my ability to obtain a XXXX I am currently in the process of obtaining. 

I would like XXXX to immediately contact CMRE the debt collection agency to desist and remove any and all debt collections that may appear on my credit in regards to this medical bill. My Insurance has paid this claim and I should not be getting harassed by a debt collection agency because of mistakes made by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX XXXX XXXX Child Support is reporting inaccurate and incomplete information on my XXXX, TransUnion, and XXXX consumer reports. The information regarding the payment history is incomplete as well as beyond the statute of limitations to even be reported since the date of first delinquency has past beyond 7 years. The account has not been current since before XX/XX/2016, meaning that as of today the entire account should have been permanently deleted from each consumer report. The FCRA demands that after 7 years from the date of first delinquency, the account must fall off my consumer report!
Product: Vehicle loan or lease

I had a car through credit acceptance. Due to the bill and trying to get the car fixed, the car went into default. No help, instead they told me I can release it back to the company. I did a year ago and now they are on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax XXXX XXXX is reporting a billing error. You can not report income on a consumer report and it must be excluded pursuant 15 usc 1681a ( A ) ( 2 ) ( I ) of the Fair Credit Reporting Act.. A charge off is a loss or expense. I am requesting to see proof of a 1099C form. Reporting unfair and inaccurate information on my consumer report has ruined my reputation and violates 12 cfr 1022. I do not agree.
Product: Bank account or service

I opened a Cathay Bank employee account when I joined the bank in XXXX, but did n't close out the account when I left the bank in XXXX. I have recurring loan payments drawn from this account every month. Recently I found that the there was a charge of monthly management fee of {$15.00}, an ACH debit was returned and an NSF fee of {$25.00} was charged also. All of these showed up in my account without any notification from the bank up to this point by mail or email, and the bank policy explicitly states that employee account would n't yield any maintenance fee. I did n't receive follow-up instructions of how the account will be handled after my departure from the bank either, and I was never charged of such kind of fee before. I realized the issues and called up the bank, but branch manager insisted that the bank will charge a account maintenance fee because it 's a " valueplus ' account, and they 've been sending me statements, which was not true. I asked the manager for a refund of fees for above reasons and also since I never received such notifications of fund return and NSF fee, but the manager would n't admit it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to make a payment on my CapitalOne QuicksilverOne card ending in XXXX, and noticed that my account was restricted for fraud. I called customer service and asked why were they making claims that I the Consumer committed fraud, and informed them that was Deformation of Character. CapitalOne informed me it was fraud because my payment bounced back, I replied I had the account ending in XXXX since XXXX of XXXX and had been making payments from the same account since the beginning of the consumer transaction and just because my payment was returned because of insufficient funds does not institute fraud. And if they had not closed everyone account for fraud who payment was returned then they are in direct violation of 15 U.S. Code SUBCHAPTER IVEQUAL CREDIT OPPORTUNITY
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm writing this grievance in regards to XXXX XXXX  XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you
Product: Credit reporting or other personal consumer reports

I want reported accounts removed XXXX XXXX XXXX  XXXX has been removed from my XXXX but not Equifax XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC
Product: Debt collection

Hello, Both accounts are passed the 7 year mark to be removed from my credit history. Accounts XXXX and XXXX The last payments made on these accounts were in XX/XX/XXXX. Today 's date is XX/XX/XXXX it been a full 7 years. please remove these accounts fully from my credit reports. As i have written proof from date of last payment for both of these zombie debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, though I have only been a little late once in XXXX of XXXX, since obtaining the loan in XXXX of XXXX, illegally reports to the credit bureau on the XXXX or XXXX day instead of on the XXXX day, which is required per the Fair Credit Reporting Act. Please address this issue and ensure that my credit report is reflecting correctly. I have attempted to clear this up with the credit reporting agencies. After calling XXXX XXXX XXXX, at XXXX  point, they stated that payments were due by the XXXX ( grace period ), as my payments are due on the XXXX, but they reported well before the 30 day mark.
Product: Money transfer, virtual currency, or money service

PayPal placed an account hold on my count back in XXXX which wouldve made the account hold 180 days before I can receive the {$990.00} in my account it has been well past 180 days and with the coronavirus I understand that staffing is limited. But I am in need of this money since I am out of work and they have held my money for well over 180 days telling me tooAdd a bank account to the account and everything should be fine and thats not the case my old bank account is on file and that account should not be used I am requesting that PayPal or mail me a check for the full balance due to XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. For the past month they have been giving me the runaround and Im tired of it I have a family to feed and I am in desperate need of the money that is mine not theirs are they willing to pay me interest or do I need to take them to small claims court