23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am disputing the presence of fraudulent accounts on my credit report, as the banks have confirmed the validity of the provided documentation and agreed to remove these accounts over the phone. Compliance with the law mandates the immediate removal of these fraudulent accounts. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company increased my monthly payment by {$350.00} per month due to an alleged escrow shortage, but my property taxes were actually decreased and I sent the adjusted tax bill via email to United Wholesale Mortgage on XX/XX/22 showing the reduced amount, but they still paid the full amount, and paid it three days late which resulted in fees and penalties they have passed on to me.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX, I REPORTED TO TRANSUNION THAT THE FOLLOWING INFORMATION IS INCORRECT : XXXX. MORTGAGE HISTORY. SHOWS NONE. I HAVE HAD SEVERAL MORTGAGES GOING BACK TO 1983. 

XXXX CREDIT HISTORY. TRANSUNION REPORTS 30 YEARS. I AM OVER XXXX AND CERTAINLY HAD CREDIT BEFORE I TURNED XXXX. 

XXXX. NOT ENOUGH ACCOUNTS. TRANSUNION REPORTS NUMEROUS ACCOUNTS. WITH XXXX IN CREDIT AND XXXX PERCENT UTILIZATION, WHY DO I NEED MORE CARDS? 

Transunion failed to address these issues.
Product: Debt collection

My father XXXX XXXX XXXX was a patient at XXXX XXXX XXXX Pa. He was transferred from XXXX XXXX to this facility. I ( XXXX XXXX ) am the only family member left to sign him into XXXX. All I did was sign him in and sign him out. I was very clear that I was not responsible for any bills. He has XXXX and XXXX XXXX. I recently received bills and a notice that I was being sent to a collection agency for his medical bills. I called XXXX and questioned why I was receiving any bills. I wanted to know why the bill existed in the first place. He has been a patient there at least 2 times before. They told me that his XXXX XXXX was no longer valid. His payments to XXXX XXXX were electronically deposited so I do n't know why that is the case. I want XXXX to send the bills to the patient and not me. I was not a patient
Product: Credit reporting, credit repair services, or other personal consumer reports

Thsi must be the 4th or 5th time I've disputed an item from XXXX. XXXX XXXX XXXX XXXX XXXX corrected and deleted data off of my report and XXXX lazily will not do so. 

I include letters to XXXX and the most recent dispute item from XXXX today XX/XX/XXXX after I notified them of the erro for the 5th time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent A complaint to remove or block these listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit card

On XX/XX/XXXX at XXXX pm I received an email that there was fraud on my account. I was at the dentist, as soon as I arrived home at XXXX I called Citi and reported the fraud. As I was on the phone with Citi the 2nd transaction posted on my account.

Citi has cancelled the card and issued a new one as well as started a fraud investigation. I have no knowledge of these transactions, they were not authorized by me. 

XX/XX/XXXX {$2500.00} XXXX pm XX/XX/XXXX {$6300.00} XXXX pm - posted to my account as I was on the phone with agent. 

Total {$8800.00} XX/XX/XXXX filed police report with XXXX On XX/XX/XXXX Citi reported the balance on my credit report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting act has a process on how someone is allowed to put neg or positive stuff on my credit report. I have sent 4 different sets of challenge letters to EACH of the reporting credit agencies to show that they did not follow the correct steps to place this bankruptcy on my credit report and they have ignored my request and I am not getting a response. They were supposed to call me, have it be recorded conversation to verify that I am who I am, and that info was correct before putting it on my credit report. They do not have the legal right to place this info on my credit report and I want it taken off. Show me the documentation they they did the correct steps before putting this on my credit report. I sent a total of 4 challenge letters, they never addressed my original request to see the documentation that they did the right steps before adding this to my credit report. I thank you for your time, and hope this gets fixed as soon as possible.
Product: Debt collection

I contacted Cavalry Portfolio Services on or around XXXX/XXXX/XXXX requesting validation of debt. On XXXX/XXXX/XXXX I received the attached documentation which is nothing more than a statement that fails to establish that is valid and mine specifically, that the debt was transferred to Cavalry Portfolio Services, fails to document complete account history, and also fails to provide the original agreement of the account. Therefore, this account should not be considered valid.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contracted Transition in order to resolve these issues. They have down right failed to comply with FTC regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
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. 
INQUIRIES : XXXX XXXX  XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Responsibility Individual Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Collection account, Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Dispute Resolved - Consumer Disagrees
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion ha sthe XXXX  account as a balance showing that is incorrect posting of this account as this is posted with XXXX  as a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It is with deep concern that I bring to your attention a violation of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Policy, 15 USC 1681a ( 2 ) ( 1 ). This violation is in accordance with the Fair Credit Reporting Act, as evidenced by the list of accounts below. Consumer ( individual ), person ( company ) transaction ( payment history ) experiences ( utilization ) should NOT appear on a consumer 's credit report. 
As a consumer, I request that the below accounts be changed to OK or PAID AS AGREED. I also request that the history of the account with late payment statements be removed from my report, NOT the account itself. 

Accounts names are as follows : ANY and ALL ACCOUNTS WITH A LATE PAYMENT : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX etc. 

I looked at my XXXX credit report on XXXX XXXX XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) Generally, 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 shall ( B ) Promptly change the status of the 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 ( C ) Promptly notify the furnisher that information has been modified or deleted from the consumer 's file. 

According to 15 USC 1681s-2, they are supposed not to furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

I have an issue with one of the collection agencies ( Midland Credit Management- XXXX XXXX XXXX XXXX on my credit report. This is exactly how the conversation went, and I do not think this is right and fair. 

-I had a {$1500.00} balance on my account. 
-I called to set up an arrangement to pay over {$1000.00}. 
-The collection agency confirmed that over {$1000.00} was paid. 
-I disputed the account because the account was supposed to be settled and closed -The collection agency refused to close the account.

-I called the collection agency and they said that they want to negotiate a new settlement since I disputed them after over {$1000.00} was paid from me -I told them that is not right. This account was supposed to be closed -The collection agency responded with this exact statement " We are not obligated to offer you any discounted settlements. You either have to pay us or the account will remain open. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX  & XXXX XXXX which is impacting my ability to XXXX, causing problems at my XXXX & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$120.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX  XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$40000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX : {$150.00} XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$610.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$910.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$1600.00} XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00}
Product: Credit reporting or other personal consumer reports

I am formally requesting validation of the alleged debt referenced above, in accordance with my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please provide the following information regarding this debt : 1. Proof of Assignment and Ownership A copy of the original contract or agreement with my signature, demonstrating your legal right to collect this debt, including all assignments or transfers of ownership.

2. Itemized Statement A detailed breakdown of the amount claimed, including principal, interest, fees, and any payments made.

3. Creditor Information The name and contact details of the original creditor, along with any account history.

4. Verification of Authority Documentation proving your authority to collect this debt on behalf of the original creditor or any subsequent assignee. 

Until this requested information is provided, I am disputing this debt in its entirety. If you can not validate the debt, I request that you cease all collection efforts and remove any negative reporting from my credit file. 

Please consider this letter a formal request under the Consumer Financial Protection Bureau ( CFPB ) regulations and applicable laws. I expect a response within 30 days of receipt
Product: Mortgage

I closed on my house in XXXX of XXXX. The estimated monthly payment was given as XXXX dollars. In XXXX of XXXX I received a letter stating my new mortgage was going to be XXXX dollars due to a change in escrow. The company claimed that the change occurred because the original estimation for flood insurance was {$510.00}, but when they were billed it was {$2600.00}. I don't know where the XXXX came from. The original quote we got for flood insurance was for {$2600.00}. This was a typographical error that caused them to present a monthly payment amount that was not originally discussed. I believe this to be a violation of the Truth in Lending Act. Had they provided me with the correct number I would have reached out to different vendors for better pricing/rates. This error will cost me {$60000.00} over the course of the loan.
Product: Debt collection

The company called to collect a debt. I tried to explain to the representative that the country is currently in crisis. I dont have money for non-essential items, therefore I did not have extra money to pay a past debt. The representative then asked if I had a credit card or tax money to pay the debt with and I think that was completely in appropriate. After the call the debt was then reported on my credit report as a negative collection item which is unfair at this time. This pandemic is barely giving me money to keep up with my current bills let alone paying on a past due account. Bill collectors are not essential businesses so why are they even open and trying to take money form people at this time. I have received numerous calls everyday for about two weeks now. It is harassment at this point. I want the calls to stop and for these people to be a little more understanding at this time. And also for this item to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TR promised to send my free credit report to me in early XX/XX/XXXX - I was told it was mailed XX/XX/XXXX. - Never received. Called again on XX/XX/XXXX. Told another one was being mailed. Again never received. 

Got a letter from Transunion dated XX/XX/XXXX and mailed out the same day. - but it wasn't my credit report. On my call on XX/XX/XXXX, I wanted to make sure Transunion had my correct address so I asked them to add it as a personal statement since they refused to enter my current and correct address. They botched it! all I have is a letter stating my personal comments - not recorded properly and by the looks of what was recorded - was a bit rude! 

I have begged and pleaded with Transunion on several phone calls to send me my credit report, I still do NOT have it. Transunion has failed to mail it to me, failed to enter my personal statement into the file correctly and even entered a bad address on the envelop which was mailed to me. Fortunately I did receive it. 

My last conversation with their 'supervisor '' he told me to break to law here and bypass the XXXX firewall and bypass the Transunion XXXX to get my report. I asked for details on this but all he suggested was that I use a VPN, It is ILLEGAL in XXXX. I told him not to say more but he blurted out It not against US law. 

This is NOT the way to do business! Rude behavior, suggesting illegal activity to get a credit report, and stating untruthful statements to the customer about mailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to give me my credit report after I've sent them numerous copies of my Social Security Card and Bank Statements from XXXX XXXX, and other banking institutions where I maintain my financial accounts. I have fraud alerts turned on and according to 15 USC 1681j ( b ), they should send me my credit report upon request free of charge. They won't even send me my annual free credit report. 

Title 15 USC 1681j ( b ) Free disclosure after adverse notice to consumer Each consumer reporting agency that maintains a file on a consumer shall make all disclosures pursuant to section 1681g of this title without charge to the consumer if, not later than 60 days after receipt by such consumer of a notification pursuant to section 1681m of this title, or of a notification from a debt collection agency affiliated with that consumer reporting agency stating that the consumer 's credit rating may be or has been adversely affected, the consumer makes a request under section 1681g of this title.
Product: Credit reporting or other personal consumer reports

Experian did NOT adhere to the FCRA. The Fair Credit Reporting Act ( FCRA ) is the federal law that, among other rights, gives me the right to dispute incomplete or inaccurate information. The credit reporting company must take certain steps when you notify them of an error. Once notified of an error, FCRA requires the credit reporting companies to do a reinvestigation after I've dispute the accuracy or completeness of the information, unless your dispute is frivolous. Experian continues to allow negative inaccurate accounts to reinstate the block that I've already won in disputing with Experian. Experian 's address records reflect the negative credit cards for the address below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX. Hence, if I never lived there and then the information is inaccurate and false. Experian 's own address record reflect the same information, then Experian needs to PERMANENTLY block ALL of them even IF these negative accounts tries to reinstate the info back to my report. XXXX XXXX XXXX  Account number XXXX is back on my Experian credit report as well as the XXXX  XXXX XXXX, Acct XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Records - XXXX County Tax Lien sent letter to XXXX, Equifax, XXXX and XXXX XX/XX/XXXX requesting the Tax Lien be deleted as the item was Paid Off in XXXX and it was refused.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXXXXXX XXXX XXXX. customer service representative. I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report. Your prompt attention to this request is greatly appreciated. Thank you for your understanding and cooperation in resolving this matter. I look forward to your positive response and to continuing a positive relationship with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX