23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX, 2016 I got an alert on my credit from a company called XXXX XXXX XXXX. stating I owed them {$110.00} for medical service. I sent the company a very detailed letter requesting validation on this account. I asked XXXX XXXX XXXX. to provide me with : 1. what the money they say I owe was for 2. explain and show me how they calculated what they say I owe 3. copies of anything i signed saying I agreed to pay them 4. Identify the original creditor 5. show me that they are licensed to collect in my state of PA 6. To also provide me with their license number and a registered agent. 
As of Today XXXX XXXX 2016 this company has failed to contact me. I notified Equifax on XXXX XXXX 2016 in writting that this was not my account. they did not remove it I notified Equifax again in writting XXXX XXXX, 2016 when the company did not send me any information I asked for after 30 days of the first letter I sent them. I sent Equifax copies of my reciepts and certified mail return receipts to see that I did indeed send these letters to this company. Equifax still refuse to remove this item off my credit. XXXX XXXX XXXX has wrongfuly placed an acccount on my credit report that is not true and does not belong to me. If needed I can mail you guys the copies of the letter and receipts as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their  executive  level. After a review and despite the amount was in dispute and finally corrected they continue to report it as a negatively on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Accounts : Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX I need these inquiries blocked and removed from my TransUnion credit Report INQUIRY NAME : INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Transunion to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human trafficking or sex trafficking if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self attestation to you Transunion. 
Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i had a chard inquiry from a company called XXXX XXXX XXXX i called them and I advised that i did not apply for a loan through them they said they were going to cancel the application and i needed to call Experian and report it so I did and XXXX Experian advised that they said that the information was accurate and the inquiry was not removed.
Product: Mortgage

From XXXX XXXX - XXXX XXXX I had a mortgage with XXXX XXXX XXXX. I was late several months on the monthly payment. I sold the house in XXXX XXXX. XXXX XXXX XXXX submitted and received the payoff amount. I want to stress the house payoff amount was paid to XXXX XXXX XXXX. After selling, I was notified the loan was picked up by NationStar/Mr. Cooper. I did n't pay any attention to the notice because the XXXX XXXX XXXX loan was closed out with the sell of the house. At no time during the settlement process did the title company indicate NationStar/Mr Cooper was involved with my house loan. 

On XXXX XXXX, XXXX, I received a copy of my credit report ( all 3 bureaus ) and noticed XXXX XXXX XXXX and NationStar reporting the same mortgage account as late. 

In XXXX XXXX, I submitted a dispute with NationStar/Mr Copper via XXXX and XXXX. NationStar/Mr Cooper replied with the account is valid and updated the account to 120 late. 

Yes I was late but that was with XXXX XXXX XXXX. Both mortgage companies can not - by law - report the same account.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my credit builder loan on XXXX the XXXX. when the XXXX statement came out on their app, it said i still have a balance due of {$250.00} with a payment due date of XXXX i got a mortgage on my home back on XXXX and they sent me a check to pay self inc off at that time. self refused the pay off check in the month of may. this means up until XX/XX/year> im continuing to pay interest on the credit builder account. rocket mortgage said that i had to pay the amount in full to self inc before i could get the check for the pay off nearly {$500.00}. now that ive satisfied their request to pay off to get my money back i can not as this lending institution refuses to give me a paid in full statement. their nmls id # is XXXX i am in the process of closing down my credit card account at this time as well. and i will need a paid in full statement as well. i just need a statement ... ....
Product: Bank account or service

Wells Fargo has been allowing my checking account to be debited {$9.00} per month for approximately ten years and this was unauthorized. I am concerned they are involved in a fraud.
Product: Debt collection

The company Dignifi is not reporting my payments to the Credit Bureaus and it is saying that I have not made a payment yet. I want my paid in full letter so that I can file a dispute because the company at this point has bad business practices. Where they want you to be affected long after separating yourself from them.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I do not owe CAINE & WEINER COMPANY INC, this is not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 usc 1681 Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because : According to 15 USC 1681. I have the right to privacy. And I did not give written permission to furnish these accounts. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( {$29000.00} ) XXXX XXXX XXXX XX/XX/XXXX ( {$22000.00} ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I stand up and raise my right hand to XXXX that I am XXXX XXXX, the real XXXX XXXX with no assistance from anybody else.I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by the baddest people on the dark web. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .I bet y'all can't do that huh? If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). I will sue y'all so good if he tries to lie on me just so yall know. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. y'all need to do it asap because y'all playing with my credit score out here. Having these False and misleading inquiries reporting to my credit report is very damaging and is killing my ability to purchase a new car so I don't have to catchh the bus no more. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission so you know it's not a game. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140 and release my title lien free. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n.This agency is in violation of 15 USC 1692g Because 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. I DO NOT VALIDATE THIS DEBT OR INQUIRIES
Product: Mortgage

My loan was Modified with XXXX XXXX XXXX in XX/XX/XXXX. The payments were made on time for the correct amount each month through XXXX of XXXX. The Servicing had changed in XXXX of XXXX, when Community was taken over by Nationstar, Nationstar began servicing it under a division of theirs by the name of Right Path. Right Path received but failed to credit me for XXXX and XX/XX/XXXX. In addition, they refused all future payments from me, on the grounds that the account was over XXXX behind in payments when they received the account. I was given a number of different explanations why the account was in default when all the payments were in fact made, and the evidence presented. The first was that there was no modification. When that claim was successfully challenged, the next explanation was that my taxes were XXXX per month and depleted the escrow account. When that claim was shown to have no factual basis, and that the tax and insurance expenses had been within the budget of the escrow as structured at the start of the modification, Right Path entirely ignored this fact. They refuse to tell me how each of my payments was applied under XXXX XXXX XXXX, insisting they do not have access to that data. And yet, they continue to state the same non existent escrow expenses as cause for the default upon which they refused to take my payments, ( and in doing so, created a path to foreclosure. ) And they keep restating this in spite of the fact that it is patently false. The deplorable state of accounting history for the loan is such a red flag of reckless foreclosure, I will be surprised if it doesn't demand an explanation. I will attach it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have resolved an auto loan with XXXX for XXXX  XXXX XXXX. The account had a derogatory status and still shows balance owed XXXX have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in XX/XX/XXXX that a Citibank XXXX XXXX XXXX account was opened in my name in XX/XX/XXXX. Citibank made a hard inquiry before opening the account. Both the inquiry and account were then included in my credit profile at all three agencies ( XXXX, XXXX and XXXX ). 

I reached out to Citibank to investigate, and they determined the account to be fraudulent. They sent a letter dated XX/XX/XXXX confirming that they closed the account. They sent a XXXX letter dated XX/XX/XXXX confirming a fraudulent application was made in my name and that they informed the credit reporting agencies to remove the account. They sent a XXXX letter dated XX/XX/XXXX stating that they requested that the consumer reporting agency " change '' the inquiry. I have no idea why they used " change '' instead of " remove. '' I also reached out to all three credit reporting agencies. XXXX and XXXX removed both the account and the hard inquiry. XXXX only removed the account, but not the hard inquiry. I have had multiple conversations with XXXX representatives and got different reasons for why the inquiry remains. 

I want the hard inquiry removed since it was based on fraud, unauthorized by me, misrepresents the nature of my creditworthy behavior and impacts my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I entered into an agreement Pursuant to 15 u s c 1602 ( k ) Navy federal never provided me an adequate notice with clear and conspicuous pertinent facts of transaction, which caused me to make a uninformed decision.navy federal never informed me about the cost of credit, and the only evidence of the indebtedness was just a computer-generated agreement.according to 15 usc 1602 ( k ) the term adequate notice means a printed notice to the cardholder.further, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. I did not benefited from the transaction which is a violation of 15 usc 1602 ( p ) according to 15usc1602 ( p ) the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.
Product: Credit reporting or other personal consumer reports

I have had my credit report " unfrozen '' without my knowledge several times, most recently on XX/XX/2024. This causes unauthorized hard inquires. I have been told that my online account login information was changed by a bad actor gives them access to my credit report. Transunion has consistently told me that the security questions they ask are enough security, but since this person has stolen my identity, they have access to all the answers for the questions they ask.
Product: Credit reporting or other personal consumer reports

" Your agency is 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 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I don't believe this is my loan and i told them that. I asked for a copy of the paperwork they say i signed and they would not mail me a copy. I told them i was going through a divorce so my husband may have done this to me. I had to send them a certified letter in order to get a copy of this letter that they say I signed. Once i received the paperwork it was computer generated and was not mine.The company is harassing me at work after I ask over the phone and in writing twice to stop calling my job. An employ from XXXX XXXX has told two people details about this loan. XX/XX/XXXX around XXXX she called my job and spoke to another employee at my job in detail about the loan. I have had the branch manager XXXX XXXX-XXXX be verbally abusive and has threat me.I have recordings of some of the interaction.
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX, XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

XXXX XXXX XXXX, {$600.00}, {$450.00}, {$350.00} was scammed from me, I reached out to cashapp for a resolution, they said they cant refund me. 

XX/XX/year>, {$990.00} was spent on a product that I didnt receive, I submitted a dispute with cashapp, they said they werent able to give me my money back. 

XX/XX/year>, {$200.00} was scammed from me, I talked to a cashapp customer service personal. They said it was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section A section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and On my credit report XXXX has XXXX XXXX as the original lender and XXXX XXXX Experian hasXXXX XXXX XXXXXXXX XXXX XXXX as the original lender. 
XXXX XXXX XXXX as different dates for last activity on my credit report
Product: Credit card or prepaid card

On XX/XX/XXXX I closed my Bank of America XXXX XXXX  credit card card ending XXXX. On XX/XX/XXXX I received an email notification that I had a new bill with Bank of America, an institution with which I have had no banking relationship for over one year. I called to speak with a BofA CSR and eventually escalated to a supervisor. They claim that they have the authority to continue submitting payments to merchants on my behalf despite the fact that I do not have any relationship with Bank of America. This account has been closed for more than 12 months. I maintain my credit fastidiously. A less diligent consumer could easily miss the fact that an account long since closed is now back and accruing interest and potential late fees. I demand that Bank of America rescind this charge and forever close this account.
Product: Payday loan, title loan, or personal loan

XXXX called one of my references. And disclosed when my payment was due and the amount of my loan and payment. As I understand it all they can say to a reference is please have me call. Actually quoted the loan amount and that my payment of {$86.00} and that it was Due XX/XX/19.
Product: Debt collection

I randomly received a letter in the mail from Creditors Bureau usa a few weeks ago. It reads in the top left : Creditors Bureau usa A professional debt collection agency XXXX XXXX XXXX, XXXX CA XXXX Monday-Friday XXXX AM to XXXX pm ( XXXX ) XXXX XXXX In the top right, it shows the original creditor as a medical office I stopped going to a while ago. It was suspicious to me at first, because I received this letter several weeks AFTER paying off the balance I owed from the last time I was treated in the office ( sometime in XXXX ). When I payed, I went in to the office, so I know that I payed off everything when they told me at the office. The balance on the letter did not match the amount I payed at the real office. Which I have bank statements of. 

The rest of the letter reads, Your creditor has assigned the above past due account to the Creditors Bureau USA for collection. Your creditors records indicate that this debt is unpaid and due. Please pay in full or contact our office for payment arrangements. 

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of judgement and mail you a copy of such judgement or verification. If you request this office in writing within 30 days after recieving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 

You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation. But we will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described above. 

Interest may continue to accrue on the principal balance until it is paid. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Our office may use call monitoring and/or recording for improved customer service. 

Thank you, XXXX XXXX, Debt Collector SO I looked up XXXX XXXX on XXXX ... 
Found out shes a well-known porn-star. 

After that, I looked up the business and address. The results were just as bad. On yelp, there are countless bad reviews on how people have been scammed and filing police reports. 

It also says on the letter that you can pay online at XXXX The website is just as ( if not more ) horrendous as the above. 

This place appears to have been up and running for years. I almost paid off $ XXXX on the website before doing some research. Now I am writing to inform I have the letter and all other documents required to take action. 

I also hope it is shut down before more people fall for this scam. 

Thank you.