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

We took advantage of XXXX XXXX XXXX  XXXX 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XXXX XXXX XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called Equifax to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.
Product: Debt collection

I received statements from American Express in XXXX XXXX XXXX indicating that I owed balances on multiple credit card accounts. On XX/XX/2022, I sent letters to the CFO, of American Express, requesting validation that I am responsible for the alleged debt. After not receiving validation as required by 15 USC 1692 ( g ) I sent American Express a notice of fault on XX/XX/2022, again requesting validation that the debt belongs to me. I only received letters, calls, and text messages demanding that I pay these debts or suffer negative reporting to credit reporting agencies. I filed an identity theft report with the Federal Trade Commission on XX/XX/2022. I then discovered that XXXX XXXX XXXX who, without contacting me, filed a civil suit in my county regarding this debt. I have not received any notice from XXXX XXXX XXXX requesting payment of the debt, or even notification of the right to ask for validation of this alleged debt. The only reason I found out about the lawsuit is that I received a letter from another third-party offering consultation regarding the court case. I looked up the court case and sure enough, without prior contact, XXXX XXXX XXXX are suing me for the unvalidated alleged debt. If XXXX XXXX XXXX had reached out to me with a debt collection letter modeling the B-1 form required by 12 CFR part 1006 ( Regulation F ) I would have asked them to validate the debt as is my consumer right. I would also have provided the prior correspondence with American Express regarding the alleged debt. Finally, I would have provided the FTC identity theft report. After reviewing the CFPB complaints database, I can see that many other consumers have been sued by XXXX XXXX XXXX without prior communication. In fact, it appears that XXXX XXXX XXXX have a reputation for instantly suing consumers without first conducting due diligence to validate debts. It appears that they rely on intimidation tactics, which are the very abusive, deceptive, and unfair debt collection practices mentioned by Congress in 15 USC Code 1692. I will be reaching out to XXXX XXXX XXXX to ask them to validate this debt. I will also be reaching out to the Attorney General regarding the consumer harassment by XXXX XXXX XXXX.
Product: Credit card or prepaid card

I received an XXXX credit card in the mail that I didnt apply for. I have called more than 7 times to this company and spoke with the supervisor XXXX on several occasions beginning on XX/XX/XXXX. My last call was made on my birthday XX/XX/XXXX when I discovered this card was being reported to the credit bureaus as late. I requested confirmation in writing that this account was being investigated for fraud and XXXX hung up the call on me. I called back and spoke with XXXX who XXXX also directed to disconnect the call. I have sent a letter from my XXXX XXXX identify theft account and still have not received any reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

My open XXXX XXXX XXXX XXXX was removed from my credit report. XXXX told me it was because the lender ( XXXX XXXXXXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help me
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with the outcome of my multiple attempt to follow up on the removal of fraudulent items from my credit file. Despite multiple efforts to address this issue, the response from your company continues to be unsatisfactory, leaving me concerned about the integrity of your procedures and the impact on my financial well-being. 

Despite providing extensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, my previous attempts to rectify this issue have been met with inadequate responses and delays. The lack of accountability and transparency in handling this matter has left me feeling frustrated and powerless. 
I have faced undue financial hardship and distress due to the impact of these items on my creditworthiness, hindering my ability to access credit and obtain favorable terms. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Checking or savings account

Personal check was written XX/XX/XXXX for XXXX dollars to an individual XXXX XXXX. It was mutually decided that the funds were no longer to be paid and the check was meant to be voided and destroyed. The check was then cashed on XX/XX/XXXX without my authorization. I notified Chase bank on XX/XX/XXXX when I discovered the withdrawal. No resolution with Chase as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 orAny 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Product: Credit card or prepaid card

I have been a with TOYOTA MOTOR CREDIT customer since XX/XX/2018 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XXXX, XXXX, XX/XX/2018 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3300.00} INQUIRIES : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXXXXXX Owed : {$58000.00}
Product: Credit card

I was notified yesterday by XXXX that someone has tried to open a XXXX credit card account using my name. This is fraudulent as I did not apply for a credit card from XXXX. One of the investigators from XXXX and I spent the better part of an hour on the phone trying to get someone at XXXX fraud department to answer the phone and all we got was repetitive messages asking us to wait for the next available representative. We never did get to speak to a real person at XXXX. This is is ridiculous and I want to file a complaint about it.
Product: Debt collection

I opened the margate with AMERINAT and every payment that they reported was reported as a late payment in error. This has never been corrected and it is adversely impacting my credit score. I have reached out and contacted Customer Service and they still have not gone through to correct this error. This is a closed paid account and I would like fortis to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these 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 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance XXXX {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance XXXX {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance XXXX {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance XXXX {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance XXXX {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance XXXX {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance XXXX {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance XXXX {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : - XXXX XXXX XXXXXXXX XXXX : - XXXX XXXX  XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - STATE OF MI OFFICE CHI XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXdismissed XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXXXXXXdismissed XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXXXXXXdischarged XXXX Filed on XX/XX/XXXX Bankruptcy XXXX  XXXXdischarged XXXX Filed on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

The company is and has been holding back monthly payments, so we had to void out the two months for XXXX and XXXX for they have not cashed the checks. So now church that's been helping myself my Brother XXXX is living with me now their not going intel PHH Mortgage services start sending us a real Billing receipts on the monthly payments. So in closing can you Help us, Now this tried doing almost the same thing last year. I am sure I'll be sent a default for a failure to pay notice and late fees and foreclosure as well so thanks. P.S. Why are they doing this I mean that's illegal? sign XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists I Q International the said debt collector consistently keeps updating an old debt which goes against Federal Credit Reporting Act and needs to be removed immediately
Product: Debt collection

AMCA letter asking me to pay an amount of {$81.00} to them. " If payment is not made within twenty-one days, your account will be reviewed for additional collection efforts. '' They listed the service provider as XXXX XXXX XXXX. I did not pay this bill because I have paid the {$30.00} debt I owed to XXXX already. 

I called the number the letter provided me, XXXX and it is an automated English accent that did not seem professional.
Product: Debt collection

FINANCIAL NETWORK RECOVERY, is attempting to collect on a debt that was charged off and sent to Collection in the year XXXX. The XXXX XXXX XXXX XXXX California and the original collection agency failed off my credit report after the XXXX  year term had expired. Only fit it to reappear on all XXXX of the credit, Through a credit repair company I was informed that a few collection reported on my report credit report are being falsely reported. 

Collection agencies are using deception when reporting to credit bureau. The date of opened XX/XX/year> is misleading and have you believe that is the date of default. The 7 year term start from the month day and year the person default on their credit obligation. Not when they bought the debt.
Product: Student loan

I contacted XXXX to tell them that I wanted any payments in excess of my minimum payment to be allocated to specific loans ( ie the loans with the highest interest rates ). They told me there was no way for them to do that and that additional payments would be treated as payments in advance and such additional amounts would be allocated equally among all loans of various interest rates. I told them that this was unacceptable and that alternatively I could provide the exact amounts each month that should be allocated towards specific loans from the aggregate autopayment. They said they could not set this up in advance and my only option was to call them by phone each and every month after the date on which an additional payment had been made and request that such additional payments be reallocated after the fact ( which would require the phone representative to email their accounts team who would effect the reallocation within 3-4 business days ). There would be no confirmation provided to me and if any error I would be forced to contact customer service again. 

This process is administratively burdensome ( I spent 40 minutes on the phone with them ),  potentially fraught with human error and I feel designed intentionally to prevent me from allocating additional payments to my highest interest rate loans.
Product: Debt collection

There was no initial or any other type of communication on the alleged medical debt being owed. And no written notice was sent communicating name of the creditor, the amount of debt and other necessary information in accordance with section 809 of the Fair Debt Collection Practices Act ( FDCPA ). 
Sometime in XXXX I requested for my credit report and noticed the score had dropped from XXXX to XXXX. I took a second look and discovered a debt of {$1300.00} from XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX. I am not personally liable for my medical bills, XXXX XXXX care my Insurance company takes care of all my medical bills. I contacted XXXX XXXX care and was told that they never received this claim from XXXX XXXX XXXX XXXX. They assured me that if the claim was made they would pay. However, XXXX XXXX XXXX refused to speak to XXXX XXXX XXXX and they refused to send me information on what they paid for despite promising to fax same to me on several occasions upon my requests. 
I retrieved my health records to verify their position. Thereafter, I called XXXX XXXX XXXX and requested for information on the debt, but they were not forthcoming with that. After my incessant phone calls, they promised to suspend the debt from my credit report but never did that as well. 
I strongly believe that a collections agency should conduct its proper investigation before going after individuals for debt. If extensive investigation was conducted, XXXX XXXX XXXX would have known that I am not individually liable for medical bills and it would have discovered that I do not owe this debt. It would have also contacted the Insurance Company to pay the bill or presented the bill to the Insurance Company.. My credit score is hurting due to the unlawful and negligent act as well as unprofessionalism displayed by XXXX XXXX XXXX. Moreso, no communication was sent to me on this claim. I would like to strongly state that I do not owe this debt. 
At present, all I want is the entry to be deleted from credit report. 
Thank you.
Product: Checking or savings account

After ordering from XXXX they suspended my account. They sent me this info in an email that you can not reply back to. Routing : XXXX Business Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Account Phone : XXXX EIN : XXXX The funds were taken from my business account and I never received any of the items I purchased. I called Telecheck and they told me I had a negative remark on my drivers license from an account with XXXX XXXX. My drivers license is from the state of Kentucky and the number is XXXX. Upon hearing this I call XXXX XXXX  because I have never had an account with them. They pull up all of the info and tell me they dont show anything. I want to know wh is lying and has fraud been committed against me?
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the mentioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue?

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Transunion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX