23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.
Product: Credit reporting or other personal consumer reports

I was affected by the data breach and it cost me dearly. I paid out of pocket {$8000.00} and I have complained to the CFPB multiple times about this. I have also submitted an invoice and filed and reimbursement claim before XX/XX/year> on XXXX  See attachments to this email. Today Equifax and the Settlement law firm XXXX XXXX XXXX who has handled the Settlement fund of {$570.00} XXXX has only offered me {$17.00} they sent me in the form of a check I refuse to cash. I have complained about this multiple times with the CFPB Equifax just gives a generic excuse in their response and does not address the problem. Meanwhile I am still out {$8000.00} I have to pay out of pocket I was promised to be reimbursed when the CFPB and FTC ordered Equifax to pay the {$570.00} XXXX to reimburse people like me that we're affected. Yet they refuse to do so. I would like the CFPB to send this complaint to the FTC if the CFPB XXXX. I will also like the CFPB to take action against Equifax and the law firm handling the funds XXXX XXXX XXXX if they can. They are not taking nothing serious and they got the invoice and the claim before XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the banks of each that was reporting a new inquiry on my report fraudulently day of inquiry and day after but no response or resolution since XXXX XXXX i have written and called each company to remove inaccurate information and to inform i gave no permission for the inquiry.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried to work with diversified when it comes to this debt from sprint. I have made multiple attempts to settle this debt. This debt collector does not want to work with me and threaten me that my credit score will go down to zero as they will continue to affect my credit score monthly until my credit score is zero. I have tried to work out the monetary means with this company payment options etc. this company doesnt care about the consumers and are going to drive me into chapter XXXX. I have tried numerous times in good faith to negotiate a settlement and they have no desire to engage me realistically with a settlement I can afford. I also feel that the service that was sold to me should not have been sold in this area as it did not work. I understand I owe for the device but to say we are going to zero out your credit score is absurd and I feel they they will not negotiate in good faith. I am feeling very frustrated as they wont take any settlement offer I have made,
Product: Credit card

American Express has emailed request three times, to complete questionnaire as a lawful requirement to continue to retain use of the American Express Business card. The contact was unable to cite the law and also acknowledged a third party was collecting the data. I have been a AMEX Business card holder since 1970. This intrusion, I view, as an invasion of my privacy. Without cited the law requiring divulging information AMEX has no basis to curtail use of this card.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, KS XXXX Account number : XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to bank to apply for loan and was shown 38 inquiries on my credit report that I have no knowledge of nor gave my consent to run my credit
Product: Mortgage

Hello, my loan company ( LoanDepot ) is dragging their feet in removing PMI from my loan after I met all of the qualifications in XX/XX/XXXX. I have contacted them several times recently ( originally in early XXXX, again around XX/XX/XXXX, and again on XX/XX/XXXX ), each time I was told that I would get a " resolution '' on my request to remove PMI in a few days. They have failed to contact me as promised each time, and each time I call, I speak to a different person who needs more time. I haven't been able to get any clarity on what is taking so long, but they genuinely seem to be intentionally dragging it out as long as possible in order to continue collecting extra payments. 

For context, I submitted a written letter in early XXXX formally requesting PMI removal as their policy requires. They confirmed receipt of the letter on or around XX/XX/XXXX. I have never missed a payment on my XXXX year loan and am in good standing. 

I have tried resolving this with LoanDepot, but I no longer believe they are operating in good faith. The last time we spoke, I let them know I would be filing a complaint if they failed to give me an update again. I was assured a manager would contact me no later than last Friday ( XX/XX/XXXX ), which they did not do. 

Once the XXXX payment is pulled, that will mark XXXX full months of extraneous PMI payments made to LoanDepot after I met all requirements for PMI removal and submitted a formal request to remove it as per the Homeowners Protection Act ( HPA ) guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed bankruptcy information with the three credit bureaus and they are claiming they have verified this information to be accurate. As you may see from my attachment that the bankruptcy court does not provide any information to credit agencies. The information is coming from a third party company called Lexis Nexis who gets it from Pacer or some other form of record pulling. This information is not being verified legally from the " said '' creditor which listed on my credit report is the bankruptcy court. This obviously isn't being done due to the fact they don't verify information with credit agencies. So instead of verifying with the court in which they can't they verify with Lexis Nexis. I have placed a freeze on my Lexis Nexis information as well, but yet they still claim to have verified it as being accurate.
Product: Credit reporting

I am writing to dispute the status and terms of a student loan I used to have. The is listed on my credit report as XXXX XXXX XXXX by XXXX. It has an account number of XXXX and the associated telephone number is XXXX. The amount is currently listed as {$7300.00}. When I call the number detailed on my credit report, a representative answers with " XXXX XXXX XXXX. '' When I give them my social security number, they have no record of a student loan and they tell me I have to contact the servicer. Yet they are listed on my credit report as the servicer. It is like a circular nightmare. I have no loan of any kind for any reason with a balance at this time. While I did have student loans that XXXX XXXX may have purchased in the past, those loans have since been paid in full to subsequent purchasers. XXXX XXXX is responsible to update the credit reports with accurate information rather than just leave negative things on people 's credit report. Furthermore, a person can not correct this problem if you call the creditor 's number listed on the credit report and they have no record of you ever owing money. It 's a dead end.
Product: Debt collection

I have a personal debt with PayPal. A debt, I am not liable for. 

I opened a business account with paypal since XXXX of XXXX. The day my business made its first dollar paypal then flagged my account, put my money on hold due to this debt I am not responsible for. 

Your XXXX XXXX is an XXXX ( XXXX XXXX XXXX ) which in the court of law you can not hold a XXXX accountable for personal debt. You can not take my money and hold it XXXX for a personal debt. This is illegal and I want to pursue legal action against paypal for this matter. 

I want the limitations to be removed and my money to be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did a investigation on my credit report which cause severe XXXX upon me unverifiable, invalidated, inaccuarate and questionable items that your agency didnt make sure it was reporting 100 %. In accordance with the FCRA everything has to be 100 % accurate on my credit report. 15 U.S.C. e ( b ) and 15 U.S.C ( 5 ) states that these accounts are in violation of not being 100 % accurate.
Product: Debt collection

On XX/XX/XXXX, a charge appeared on our XXXX Credit card from " XXXX '' ( see the attached document # 1 ). I asked those with access to this card in our family if they had used any such service from XXXX XXXX, and they said no. 

I immediately called XXXX to tell them this is an unauthorized charge. They posted a conditional credit to our card for this charge. I explained to them that nobody in our family had lost their physical card, but that someone must have gotten hold of the card #. XXXX then closed the account, and opened a new card. 

Meanwhile, XXXX mailed a huge amount of documentation to me. By looking at these documents ( see attached 'huge documentation ' document ), we saw clearly that this is a completely fraudulent use of our credit card by someone out there. The charge was incurred down in XXXX, Texas, apparently ( and supposedly ) between two supposed 'law offices '? 

XXXX XXXX then turned the charge over to their collection agency, Transworld Systems , Inc. " tsi '' The XXXX XXXX documentation shows a name of " XXXX XXXX '' as the one who paid for their delivery services. We have no such person in our house, and no such authorized user of our card. 

Transworld sent a letter to " XXXX XXXX '' at our address in XX/XX/XXXX demanding payment on behalf of XXXX. I immediately wrote them a response, stating that we completely reuse this charge ; we are not responsible. No such authorized user of our credit card made that charge ; we have done no business in XXXX, TX ; we have no shipping " account '' with XXXX ( as the XXXX documentation shows ) ; no member of our family or authorized card holder lives anywhere near XXXX ; we did not order anything sent from one 'law ' office to another in XXXX ; and there is no such person here named " XXXX XXXX ''. 

On XX/XX/XXXX, Transworld sent " XXXX XXXX '' a second letter at our address ( see document # 3 ) this time saying, " Thank you for your inquiry '', and your " request for validation ''. But our previous XX/XX/XXXX letter had neither been an 'inquiry ' nor a 'request for validation ' ; it was a firm rejection of all their claims that we are responsible for this charge. 

On XX/XX/XXXX, Transworld sent a third letter to " XXXX XXXX '' at our address ( see document # 4 ) saying they had not heard back from us. I am sending them another letter today ( XX/XX/XXXX ) again, denying any and all responsibility for this charge and explaining why we are not responsible for ( see document # 5 ). 

Whoever made this fraudulent charge did so only with the card # ( not with the physical card ), as we made certain that no authorized user of our card had lost or misplaced his physical card. 

Thank you! 
XXXX XXXX ( primary XXXX card holder )
Product: Mortgage

I sold my home. The closing date was XX/XX/XXXX. I received a payoff amount that I then gave to my real estate attorney. The title Company verified the Closing amount with Rocket Mortgage associate and then proceeded to wire the money. 11 days later ; The Mortgage Company said they gave the wrong payoff amount! The day of the closing ; Checks were cut and Realtors and Attorneys got paid. I only found out today when I thought they sent me my 1098 form that it wasnt closed. Thats when they made me aware and then they returned the wires amount back to the mortgage company today on XX/XX/XXXX. I asked for the Executive Manager and no one is available for at least 48 hours while my loan is accruing interest. I also asked for an explanation and a new payout amount in writing which they didnt do. The house has been closed on and I am not the owner r according to the attorneys. Rocket Mortgage gave the wrong pay out and its my issue. I feel like its a bait and switch and Im being discriminated against. No notifications etc. Just to get more money that I dont have .I was on the phone on XX/XX/XXXX for 5 hours spoke to different people.. None did nothing. Very frustrated and would never recommend anyone to them. Unprofessionally treated and now the title loan company has over {$200000.00} sitting there waiting for a payoffAfter Rocket Mortgage had it for over a week gaining interest while Im losing more moneyI asked for the accounting information and payoff in writing and got neither
Product: Credit reporting, credit repair services, or other personal consumer reports

IwasnotifiedviaemailalertofdisputeresultsaftercontactingXXXXXXXXtodisputeanunauthorizedinquiry.Afewdayslater,ExperiansentmeDisputeResultsindicatingXXXXXXXXXXXXisUPDATED.andtwoseparateentriesonpages3-4arereinsertedafterXXXXwasDELETEDonXX/XX/XXXX(Report#XXXX).ThisentryappearsasifitistwoindependentaccountsbecausethebalanceinformationindicatesXXXXwithadatepaymentreceivedonXXXX(pg3),andXXXXwithadatepaymentreceivedXXXX(pg4).Documentsattached.

IwroteEXPERIANonXX/XX/XXXXinformingtheCRAthatIreceivednonoticethisitemwasre-insertedanddisputethevalidityofinformationandalsoindicatedIamnotprivytoanydisputeinvolvingthisitemthatwaspreviouslydeleted.Supportingdocumentationwasprovided,includingacopyofaswornaffidavitofdenial.

PriorcommunicationswithXXXXindicatethereisnobindingcontractandIwasdeniedanopportunitytoinspectanyinstrumentthatcanproveindebtness.XXXXalsorefusedtoacceptpaymentinfullinexchangethePAPER(note)thatholdsmeaccountablefortheallegeddebt.

AnyreferencetoXXXXXXXXXXXXshouldnotappearonmypersonalcreditreportbecauseitwaspreviouslyDELETEDbecausethedatacannotbeverifiedasoutlinedintheFairCreditReportingAct(FCRA)andassuchviolatesmyrightsasaconsumer.ThereisalsoquestionablebehaviorsthatmayalsoviolatemyrightsunderFDCPAforunfairreportingbecausecounselforXXXXintentionallydeceivedmeviatelephoneandanelementofharassmentand/orintimidationoccurredbeforetheircourtactionwaswithdrawnforalackofevidenceandnotserviceastherecordsindicate.

EXPERIANrefusedtoremovetheitemsindisputeandrejectedmyrequesttoblockthisitemfromcreditreporting.TheitemwaspreviouslydeletedandIreceivednonoticeofre-insertionasoutlinedinFCRAsection611andIdemanditbepermanentlydeletedandblockedfromreappearingonmycreditreport.XXXXandXXXXarenotreportingthisitem,onlyEXPERIAN,indicatingitsaninternalproblemwiththiscreditreportingagency.
Product: Debt collection

Me and a friend of mine XXXX signed a lease agreement she was head of household and i was just a tenant ... We had mold in the house i had a XXXX ba y with XXXX son that continued to get sick off the mold we complained for weeks at a time i habe papers from my childrens doctors that due to the mold my children were having allergic reactions we put in a 60 day notice to vacate the property due to lack of maintenance and saftey hazards for my children i had to vacate
Product: Debt collection

the account is charged off and it is showing a balance still. That needs to be removed. I need the assignment contract. I also need the bill the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inqueries not recognized/authorized XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX CREDIT CARD IS REPORTING A FRAUDULENT ACCOUNT AND I WAS A MEMBER UNDER THE DATA BREACH FOR XXXX XXXX, XXXX XXXX  AND MORE IDENTITY THEFT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME
Product: Debt collection

In an attempt to contact IQ Data International Inc. I mailed the company letters asking them to verify that this debt belongs to me. I asked to company a Copy of original contract with signature, name and address of original creditor, proof of collections authorization, purchase debt agreement. This information was not provided to me. The company attempted to send me the amount of unverified debt and the document only included the debt amount and who the creditor was that sold them the debt. Its been over 60 days since my last letter was sent to the company and in return they offered to open another investigation about this unverified debt.

The address associated with this debt is not open my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent. 

Per the FCRA as a federally protected consumer I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint against a creditor called XXXX XXXX and CRA called TransUnion. I did business with XXXX XXXX, and I also unintentionally defaulted with XXXX XXXX due to financial hardship some time ago. Now that I am on bad terms with the creditor, I have reason to believe that fact maybe influencing a current issue at hand that I am having with the creditor regarding disputing the accuracy and completeness of the account and how it reports to the consumer reporting agencies. I have disputed XXXX XXXX several times over the past year and as of most recently on or about XXXX. The issues being disputed were for incompleteness in which I provided Transunion specific details highlighting where the issue could be found. On or about XXXX, the payment history section was disputed because the last payment date did not reflect how it was reported in the payment history section in addition to consecutive 120-days late ratings reporting month to month which I stated was materially misleading. As of today, XXXX, the account is still in an inaccurate and incomplete status with TransUnion and XXXX XXXX dubbing the account accurate through each dispute despite providing TransUnion and XXXX XXXX supportive documentation enclosed with each dispute I would send. This matter is concerning because the creditor nor the consumer reporting agency would not move to correct the noticeable discrepancies furnished on the tradeline. I have reason to believe based on the results of my efforts and appropriate steps I've previously taken on multiple occasions that triggered section 1681s-2b under the FCRA that XXXX XXXX and TransUnion may not be conducting reasonable investigations as required by the FCRA when handling my disputes. I have a justifiable reason to believe that TransUnion is also failing to hold the creditor XXXX XXXX accountable in ensuring that it provided complete and accurate information considering that TransUnion is obligated to make sure that the account is complete and accurate at its maximum per section 1681e ( b ) under the FCRA. Furthermore, I am convinced that XXXX XXXX is being egregious and willfully noncompliant and is recklessly disregarding the contents of my disputes that were sent to it considering there were multiple disputes deemed accurate and complete when they are in fact not. XXXX XXXX maybe only relying on its internal data opposed to conducting a thorough and reasonable investigation. These instances constitute a violation under 15 USC 1681s-2b. Additionally, I have concluded upon information and belief that my default with XXXX XXXX XXXX be a reason why it is not deleting its account from my credit report after the information returned to me in an inaccurate and unverifiable because of collection purposes. This is unlawful and out of compliance with federal law and could very well cost XXXX XXXX more than the amount it is trying to collect in this matter should that be the case considering that the accuracy and completeness of an account has nothing to do with a past due balance which is a personal matter opposed to a procedural requirement.
Product: Debt collection

I am disputing the Wells Fargo Dealer Services account that is on my credit report with you. It is the only Wells Fargo Dealer Services account listed. 

I settled this debt with Wells Fargo Dealer Services in XX/XX/XXXX. This completely resolved the debt that I owed. I also do n't know why this is showing up as being late in the months after XX/XX/XXXX. If I do n't owe anything, how can you and Wells Fargo Dealer Services say that I am late? That 's impossible and does n't make any sense. 

But regardless of the reason, please delete the balance owed and make it show that I owe XXXX and delete the history after XX/XX/XXXX in which I paid this account off. Please make sure this is corrected and stays corrected. If you ca n't get a straight answer out of Wells Fargo Dealer Services then just delete the account. I do not want false information on my credit reports. 

I 'm enclosing a letter from Wells Fargo Dealer Services acknowledging receipt of my settlement payment and that the account is settled and I do not owe any more money. 

If you or Wells Fargo Dealer Services ( who I 'm copying with this letter ) decide you want to keep this account on my credit reports, please explain to me in writing why you are doing this. Explain why you are keeping this. To all of you -- show me the documentation that explains how I can possibly owe money when I have settled the account. I 'll be shocked and disappointed if you keep false information on my account and do n't even make an effort and explaining why you are doing this to me. 

But I 'm confident and hope that you will remove this false information from my credit reports. I 'm trying to make it easy for you to get in touch with me as I must have this false information removed from my credit reports. 

Thank you for correcting this error.