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

This company is reporting inaccurate information on my credit report, and refuses to launch an investigation into the account thats being reported to Credit Bureaus under my Social Security number. On XX/XX/2020, I mailed a dispute letter via United States Postal Service Certified Mail, to I.Q. Data International Inc. to the address XXXX   XXXX XXXX XXXX, WA XXXX, which is listed as their contact information. This dispute letter was delivered and retrieved from I.Q. Data International Inc., on XX/XX/2020, it requires a signature from the recipient for its release via United States Postal Service. I.Q. Data International Inc. hasnt responded to the dispute and failed to launch an investigation into this account within 30 days which is required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). This company also failed to mark my account as disputed within 30 days which violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the 30-day required. I have attached a screenshot of the tracking information stating this letter was received on XX/XX/2020. It is XX/XX/2020 and I still havent received anything from this company pertaining to an investigation of this account on my credit file. I am requesting that this inaccurate information be deleted from my credit file immediately with XXXX, XXXX, XXXX  and any other credit bureaus. I.Q. Data International Inc. has violated federal laws and continue to report negative information on my file, without launching an investigation that is required by law. I believe theyre in violation of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act.
Product: Debt collection

The original debt was a judgement from XX/XX/XXXX. It was assigned to XXXX XXXX XXXX a year later. During my home purchase in XX/XX/XXXX, escrow reached an agreement with XXXX XXXX XXXX for {$4000.00} and paid the agreed balance as part of escrow. However, they have refused to close out the debt. We recently, XX/XX/XXXX, requested a validation of debt. They validated the debt and showed an increased balance due to interest. They refuse to remove the debt even though it is over seven years old. In addition, they have updated my credit report to show the discharge date in the year XX/XX/XXXX. Lastly, in XX/XX/XXXX we sent court documents verifying the debt is satisfied with the courts and have not received a response.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. So please provide me with the following : A list of the payment history on this account I would like to see the original signature that I agreed to on the contract for this creditor Has there been an insurance claim found on this debt I want to see the title that you have to collect on this debt This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.
Product: Debt collection

I am receiving abusive and repeat call CCS who suppose to be a collection agency. They make threat of false arrest and send mail with authorization of debt that is not owed. I have received ton of debt from the collection company that not owe or from other accounts that are not in collections. I have ask them to stop the repeated calls and abuse of communication with me. I am filing a complaint because the last call is impersonating an Attorney, and false misrepresentation of the facts. I am a military Veteran and I don't think I owe this company anything because I do not have a physical contract with CCS. I just want this company to stop the calls and attempt collect a debt that is not owed.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Mortgage

Hi! I spoke to Mr. Cooper customer service on Thursday, XX/XX/XXXX and was then on hold to speak with escalations department but I couldn't hold on any longer so had to disconnect. On XX/XX/XXXX Mr. Cooper took out duplicate payments for {$1300.00} from my checking account causing my checking account to be overdraft. So two issues, 1. How would this happen? I have never experienced such an error in my entire adult life, 2. I understood escalations department needs to refund 1 of the 2 duplicate payments along with an explanation so my Bank will credit the overdraft fees, failing which I would request you to pay the overdraft fees of {$39.00}. Kindly reply as soon as possible to resolve this issue. 
I then emailed on XXXX  XX/XX/XXXX using their online portal and received an automated message that someone will call me. It is now 4 business days since Mr. Cooper withdrew funds from my checking account, without my permission, caused my account to overdraft and subsequently impact my credit history. How can such a company be allowed to conduct business, can you kindly take strict action and involve XXXX XXXX as well who owns my mortgage?
Product: Debt collection

Waypoint Resource Group is fraudulently reporting on my credit reports in the amount of {$310.00} account # XXXX / XXXX. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Product: Debt collection

TRANSWORLD SYSTEMS Last reported XXXX XXXX, XXXX {$71.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Affected by natural disaster Original creditor name XXXX XXXX XXXX XXXX
Product: Student loan

I have been contacting them constantly about alternative options to bring my account out of default and reinstate in good standing to pay the loan in a realistic manner and negotiate a reasonable deal that will work out for b oth Navient and I. They are no t willing to work with me and is preventing me from making future financial decisions as a consumer and hindering me from other lenders.
Product: Debt collection

I was recently assigned a cell phone by my employer that had been used by a former employee, who is no longer with the company. I have received several calls from Pan Am Collections attempting to contact this previous employee. The most recent call was today XXXX/XXXX/XXXX. Unfortunately, I share the same first name as the previous employee, and answered the phone identifying myself by my full name. With the common first name, the caller was aggressive in insisting that I was the party of his interest. I called back and talked to a XXXX XXXX with Pan Am, and made clear that I am not the individual they are attempting to reach. He adamantly refuses to acknowledge this. I explicitly directed them to cease calling me, which was met with a clear indication that they will not comply. I have blocked the listed number for the company ( XXXX ) on my cell phone. However, they have also dialed in on an " Unknown Number '', so I anticipate that they will continue to attempt to harass me. I was informed that the phone call was recorded by XXXX XXXX. I informed XXXX XXXX that I would be submitting a complaint to the CFPB as they are clearly in violation of the FDCPA. Pan Am Collections XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, XXXX XXXX
Product: Mortgage

FORECLOSURE AND ACCELARATION HAVE BEEN INITIATED -- -I HAVE REACHED OUT TO FLAGSTAR PRESIDENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX IN AN EFFORT TO GET INTERNAL ASSISTANCE - WRITING TO HIM AT CORPORATE IS USELESS. I APPLIED FOR ASSISTANCE FROM TEXAS HOMEOWNERS RELIEF - XX/XX/2022 FLAGSTAR XXXX STATEMENT DATE SHOWS I OWE {$30000.00} - ON XX/XX/2022 - A FLAGSTAR XXXX STATEMENT DATE SHOWS I OWE XXXX - ( 1 MONTH - INCREASED BY {$9000.00} PLUS ) HOMEOWENERS ASSISTANCE PAID FLAGSTAR {$32000.00} DOLLARS IN XX/XX/2022 -- I HAVE BEEN PAYING MY MORTGAGE PYMT EVERY MONTH SINCE XX/XX/2022 -- EVEN BORROWED XXXX XXXX  TO PAY THE {$2000.00} PLUS IN ESCROW SHORTAGE PER FLAGSTAR LETTER -- XX/XX/2022 STATEMENT SHOWS I OWE {$8400.00} THE PAYMENTS I MADE SINCE XX/XX/2022 WERE NOT APPLIED BECAUSE THEY ARE APPLIED TO THE DELINQUENCY AS PER FLAGSTAR. THIS MORTGAGE CO IN CFPB # XXXX HAS A DECEPTIVE HISTORY OF WRONGDOING WITH CONSUMERS ACROSS AMERICA -- I AM HAVING TO BORROW XXXX XXXX TO PAY FOR A FORENSIC AUDIT OF THE MORTGAGE DOCS WITH FLAGSTAR- I HAVE FILED 2 PREVIOUS COMPLAINTS WITH CFPB AND THOUGH FLAGSTAR RESPONDS WITH THEIR LIES- WHY DOES CFPB BELIEVE THEM? I HAVE 9.4 HOURS OF RECORDING WITH FLAGSTAR REPS -- LIES LIES LIES-
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to rebath my bathrooms through XXXX XXXX XXXX. The XXXX Consultant took my information " If '' I want it to Finance through them (? ). Which I did. After learning and researching their finance documents I decided to cancelled our agreement. I right away I faxed them the cancellation noticed via fax and also to via text to the Design Consultant, and via US mail. After 4 days the consultant email me and " said that my credit was awful!. That I didn't had to cancelled. Today XX/XX/2020 I got a financial credit report from " TransUnion Financial Services, and everything on their report its NOT ACCURATE! I have my mortgage through XXXX XXXX XXXX, and I am ahead on my mortgage payments until XX/XX/2012, XX/XX/XXXX the same never missed a Payment always current no delinquencies, TransUnion its wrong and UNFAIR! Thank you!
Product: Debt collection

Ability Recovery Services continuously keeps reporting derogatory collection accounts as new accounts to the credit bureaus. I have had these accounts disputed and deleted, but ARS continues to attach this debt to my credit report as if it is a new account. I have no idea what these accounts are. I have requested original documentation showing the dates and the representative is very rude and hangs up on me. These accounts do not belong to me and I want them deleted once and for all.
Product: Debt collection

I contacted Macys on XX/XX/XXXX, XXXXby phone and via mail about a account that I was not aware of being a authorized user on and asked them to remove this account from my credit profile. I stated to them according to the FCRA section 601 I cant be held liable for a debt as a authorized user the representive stated that I would be removed and would receive this in writing. I have not heard from Macys at all I also sent out a letter asking for this item to be removed.
Product: Credit reporting or other personal consumer reports

I'm baffled by the repeated denials of my identity theft claim. This situation is incredibly frustrating and exasperating, and I can't comprehend why this is happening. Who granted you the authority to dispute my status as an identity theft victim? I have a clear understanding of my own situation, and you are not in a position to act as judge and jury. 
According to the Federal Trade Commission ( FTC ), if I provide an FTC identity theft report filed with a law enforcement agency ( which happens to be the FTC ), you are obligated to take action. So, why are you not adhering to the guidelines? 
I'm extending one final opportunity for you to rectify this situation. Please delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected! This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has listed XXXX XXXX as a new account on my credit report and will not remove XXXX XXXX as a negative closed account, even as I have disputed the account and the matter is in litigation. The information being reported is negatively affect my credit history and score two fold. First as a new account and second as a closed account. I would appreciate if both XXXX XXXX accounts can be removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXXWESTLAKE FINANC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,2017 Syncb/Walmart and Syncb on XXXX 2017 this bank pulled my credit without me authorizing them to do so.
Product: Mortgage

My mortgage permits me to make advance principal payments with no fees. Each month, I pay extra toward the principal. This should ultimately reduce the amount of interest I pay, since my outstanding mortgage balance is being reduced significantly each month. The payments were all documented in written emails to the bank. There is no dispute about the amount of payments, the date of payments, or the purpose of payments. They accepted the payments, but instead of crediting them toward principal, they treated them as advance payments of my regular " principal plus interest '' payments. When I discovered this, the outstanding balance on my mortgage was wrong by more than {$11000.00}! The bank acknowledged the error but said their system would not allow them to correct it. I fought with them for many weeks, but they insisted it was too bad for me because their system could not be corrected. Ultimately they agreed to fix it, but they made some sort of error still and my balance is still incorrect, though by a XXXX XXXXXXXX XXXX  instead of {$11000.00}. They are refusing to right the error. I have escalated this as far as I can and still have not had the balance corrected.
Product: Debt collection

Dear RENTRECOVERYSOLUTIONS I am writing to formally dispute a debt collection account that has been reported to my credit report XXXX XXXX believe this account is inaccurate and violates my consumer rights under multiple consumer laws which I will list below, each violation of my consumer rights will be met with legal action if not removed. This debt is not owed, nor do I recognize this debt and have no record of it. This alleged debt is not legally enforceable. You have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ). And you have also not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). RENTRECOVERYSOLUTIONS has XXXX authority to furnish anything to reporting agencies without providing any and all disclosures REQUIRED by law, you are in clear violation of CFR 1006.34 ( d ) and 15 USC1681-S2 ( 7 ) ( A ) RENTRECOVERYSOLUTIONS has engaged in harassing or abusive behavior, such as repeated calls, threats, or false statements, due to this violation of my rights I have experienced hardship both physically and mentally and will be seeking damages if not removed. 



I request that you investigate this matter and take appropriate action to correct the inaccuracies in my credit report. I also request that the debt collector cease all collection activity on this account. I am requesting that you furnish PURCAHSE AGREEMENT between you and the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi , I have apply for an apartment where my application got reject . I disputed the errors on my report in which I was still reject following they didn’t update the correct results . They have the proper paperwork to see the account is paid along with a landlord reference from the property in which they are refusing to acknowledge. Also the accounts they are reporting are not  accurate .  I called asking why my application was rejected resulting in a paid account . I was told the credit  company didn’t report it as paid although they have the proper documentation that it is in fact paid in full . The credit company has two parts credit and rent based on which everything came back paid and in good standing on the rent part . That part should reflect my application status. The XXXX XXXX  received all this information and still rejected me based on unpaid account in which it is paid .
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting 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 these accounts 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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