23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company continues to refuse to send me information which validates that this is my debt that I signed for. They continue to mail me XXXX documents ' stating that there is a account, but no other information is provided. When I pointed this out and pushed for validation of debt, they ignored me blatantly and tried to get me to file a police report citing fraud and identity theft, ignoring my request for validation. They are ignoring my right to validate my debt.
Product: Credit reporting or other personal consumer reports

Contacted credit reporting agencies and they all have a bankruptcy and credit card reporting on my report that does not belong to me and is not being reported by the creditor or another consumer reporting agency. Company failed to disclose how it appeared on the report and has not removed it from my report. The name does not match and no one is reporting it on the credit report. A bankruptcy is damaging to report once it has been discharged and so is a credit card that doesn't belong to the consumer that was also charged off years ago. These acts directly violate the rights to the consumer under the fair credit reporting act and once proven that the reporting agency is deliberately refusing to remove the inaccurate information. 


public record/bankruptcy must match consumer information XXXX XXXX must show credit card contract signed by consumer XXXX must show consumer agreement signed in consumers name I have never signed with either of these companies and have asked reporting agency to provide documents and they have failed to do so. These items must be deleted immediately!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transunion for making it difficult to upload all dispute documents on their website. Recently, I attempted to file a dispute on their website and upload supporting documentation. Unfortunately, I found out that they only allow a total of 5 MB of documentation to be uploaded. This is extremely inconvenient because it is equivalent to only 1 or 2 pages of documentation. 

As a result, I was unable to upload all of the necessary supporting documentation to fully explain my dispute, and I feel that my dispute was not fully represented. I believe this is an unfair practice that makes it difficult for consumers to have their disputes fully resolved. Also, when I go back online to follow up on the dispute ; the system doesn't show which disputes were made and there is no email confirmation of the submittal of the disputed accounts like there was for the account statement notification. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion to ensure that they provide a fair and efficient dispute resolution process for all consumers. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT IN DISPUTE DOCUMENTS VIA USPS CERTIFIED MAIL, AND WELL AS THROUGH XXXX  'S UPLOAD PORTAL 2 MONTHS AGO. I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that XXXX allows to do a soft inquiry on my credit profile. I would like for XXXX  to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, both accounts and hard inquires that are a result of identity theft.
Product: Credit card

I called Chase Bank, i told them there is no fraud involved, they cleared, my cards, i tried to buy a gift card, i used XXXX, of my points, they froze my accounts again, we will investigate, for fraud, they said, been three days, my points, they belonged to me i earned them by buying goods. They are more important than me. And they have spread false information, i tried, to open two other credit cards, they turned me down said, there was fraud involved, ain't no fraud, just some high handed XXXX XXXX. I have XXXX, in my checking account, i have XXXX, in a savings account, it's handy, to use credit cards, but they had no right to freeze my points, that belonged to me.
Product: Debt collection

I'M IN THE PROCESSED OF REFINANCING MY HOME AND WAS TOLD THAT A COLLECTION ACCOUNT WAS APPEARING ON MY CREDIT REPORT THAT MUST BE LINKED TO MY IDENTITY THEFT CASE FROM SEVERAL YEARS AGO BECAUSE I'VE NEVER HAD AN ACCOUNT WITH THIS COMPANY.
Product: Mortgage

I have a mortgage with Ocwen Loan Company. I have had issues with Ocwen in the past - mostly due to the fact that their workforce consists of people who do not have a command of the English language. 

I take care of my XXXX father and he has been in and out of the hospital. He is well right now and I am slowly going through mail. I discovered an escrow refund check dated XXXX/XXXX/15. I can no longer cash the check. When I have discovered checks from other companies that have expired, the company that issued the check is very happy to re-issue the check. I called Ocwen to please re-issue the check or apply the amount to my loan, they stated that they probably would not and it would take a week to investigate whether they could re-issue a check or not. I do n't understand why this! First, they gave the reason that my credit score was not good. My credit score has actually improved since 2015! Then they said the lowered my payment. My payment went down by XXXX dollars! That is not enough to make up the difference of {$610.00}
Product: Debt collection

As a retired XXXX XXXX, I receive credit monitoring services. In XX/XX/XXXX, XXXX emailed me an alert that their activity in my name and I should access their website. Website identified that collection agency Wakefield and Associates ( XXXX ) XXXX was trying to collect {$410.00}. I contacted XXXX XXXX XXXX  who notified the credit bureaus and put me in contact with a Restoration Specialist. ( RS ) Case XXXX ( XXXX ) XXXX ext XXXX who advised I make a police report and other steps I should take. The RS was able to provide a phone number for Wakefield. Police were contacted. I called Wakefield who identified the initiator of the Collection action as XXXX XXXX for services supposedly provided in XX/XX/XXXX. I contacted my XXXX XXXX provider XXXX XXXX ( XXXX ) XXXX. To our knowledge, all received bills have been paid. My phone number is the same. I did not move until XX/XX/XXXX so I was available to contact. To date, XXXX XXXX ( XXXX ) XXXX has not responded to calls from me or my dental provider. No police report was generated as this does not appear to be Identity Theft. I received an email alert from XXXX XXXX XXXX titled Derogatory Comment on XX/XX/XXXX. I submitted report XXXX to the XXXX XXXX XXXX on XX/XX/XXXX. I am submitting this report to the CFPB on the advice of the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letter to companies by the names of Experian, XXXX, and XXXX, yet they have failed to respond to my dispute letters. I have not received any responses over the last 6 months.
Product: Debt collection

AMERASSIST AR SOLUTIONS has failed to provide me with debt validation after numerous requests. Furthermore, they are in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) -- which states debt collectors can not use offensive language while they are communicating and trying to collect a debt.
Product: Mortgage

I contacted the mlo XXXX XXXX to get an update on my mortgage and for to explain to me what's going on. This has never been explained to me and the mortgage broker has refused to call me back etc.

Today I called and this MLO insulted me and told me that I am not the one with a foreclosure and a bankruptcy on her credit ... 

I can not believe of the complete unethical behavior in her position that I have to wait as this is an affiliate of the builder and if I don't wait they will keep my deposit towards the home. I contacted the builder but they have not called me back
Product: Credit reporting, credit repair services, or other personal consumer reports

This bank was supposed to cancel out the debt not make it a collection account. My father has been deceased since XX/XX/2020 and the XXXX was turned in. This is criminal!
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention to the failure of collection agencies to validate & notify of my dispute within the stipulated 30-day period, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) On XX/XX/year>, I sent a dispute letter to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX regarding an alleged debt they claimed I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This letter was delivered via certified mail, and the return receipt confirms its receipt by XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/year> According to the FCRA, the collection agencies is required to investigate and respond to my dispute within 30 days of receipt. Also notify the bureaus of dispute.However, it has now been 31days since the receipt of my dispute, and I have neither received any validation of the debt nor any response from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX and XXXX XXXX Only after disputing with the bureaus on XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX started making all kinds of damaging changes to my report without properly validating this debt.
Product: Debt collection

I have submitted three letters to Equifax over the past 4 months to investigate an unverifiable debt and remove it from my credit report. It is absurd that there is no information for original creditor nor a collection company name, nothing. Equifax is in violation of federal law. not only have they reported inaccurate, incomplete information they have ignored 3 requests of mine to remove this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attachments on this complaint by me- I am requesting that your company send me copy of the 1099-C, Cancellation of Debt / CHARGE OFF or write-off that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. I XXXX, XXXX Authorized Representative for XXXX XXXX requesting documents and has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 

These listed Violations are based on breach of fiduciary duties TILA, FCRA, XXXX, XXXX, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Product: Payday loan, title loan, or personal loan

Yesterday this company tried to direct debit my account for absolutely no reason. I reached out to their customer service as to figure out why. In doing my own research I found out I had submitted an application to them in XXXX. But as far as I could tell my application was denied. I've never had any other dealings with this company. Yet again they tried to debit my account for minuscule amount yesterday. It's not about the amount it's the fact that you have access to my information. I reach out to your company and was talked to in a rude and condescending manner. I don't give a XXXX if it was a penny or a nickel my money is my money. Oportun you have NO permission to reach your hand into my account and try to take from me or my family. Your company is absolute trash and stands behind nothing. But that's fine you don't have to be reputable company. That's why they're entities to report questionable businesses too. That will investigate and go ahead and shut scam artists down. I reached out to my bank to have them blocked. As I got some smart-ass response from somebody at their company via email. My next step is to contact the authorities and have a lawyer sue the XXXX out of your company. If you keep trying to take for me something that I don't owe you. They tried to debit {$2.00} XX/XX/XXXX for no reason.
Product: Checking or savings account

On XX/XX/XXXX Bank of America took hold of my funds in the amount of XXXX in my account of # XXXX I then called to inform them of a transfer that wasnt supposed to go into that account on XX/XX/XXXX and wrote them in letter form of this mistake as well. I then called them the again XX/XX/XXXX to see what I need to do to get my funds returned because they never responded to my letter, Bank of America customer service red flagged line then told me that my funds were being held in there back office for investigation. I then Inform them again of wrong bank information was mistakenly placed down, and couldnt be changed on the SBAs website or by phone. I didnt think it was a big deal but this small mistake has gotten my account closed and red flagged. And Now it has been 6 months today XX/XX/XXXX of investigations on me making me look like I did something wrong which wasnt the case. Bank of America has treated me so terrible during this process that I need to seek legal actions. I have uploaded all information on what I have on them and paperwork that Ive sent them to get them to understand I am not a criminal, Im a XXXX XXXX of the company XXXX XXXX, and my Name is Ms XXXX XXXX. But they will not respond or send my funds back to me, after knowing who I am and what mistake I made, they have done a investigation and founded nothing wrong in what I did, and still no response or return of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is completely disfunctional. I am not able to get my 'free ' annual credit report online. I can not check the status of a credit freeze on their website. 
On XXXX XXXX, 2019, I tried to get my free annual credit report from Equifax online. After providing all of the necessary information, I received a message that credit reports are not available online, and that I would need to print, fill-out, and mail an 'Annual Credit Report Request Form '. The form requires my SS number, DOB, full name and address, and directs me to send all of this vital information through the US Mail to an address labeled : Annual Credit Report Request Service! 
How insane is that? 
I am on a secure website which will not allow me to get my annual credit report, but I can send all of my information through the mail with a big red flag on it that says 'please steal my identity '? 
Equifax is a terrible company that puts every roadblock imaginable in front of the consumer. 
XXXX and XXXX are near-perfect. It is a startling contrast. 
Please, please force Equifax to either provide the services that they are required to provide to the consumer, or make them leave the market.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage Servicing is reporting erroneous lates on my credit file. I had a few erroneous lates that were removed due to me being in forbearance but after the forbearance was over they reported new lates. I was very confused as i had set up automated payment 's. I called to ask why those lates were being reported and they told me no automated payments were set up and those payments were missed. I requested they listen to the recording where i asked for the representative to set up automated payment 's. This conversation was 30+ minutes long, after we discussed the deferment process i requested auto pay. They have " investigated '' but i don't think they even listed to the recording where i know for a fact i requested the automated payments. This is now the second time i have had erroneous reporting 's and I'm truly upset as a long time customer. This has ruined my credit and also is getting in the way of me being able to obtain financing which is very important to me and i take very seriously. I need a full investigation and for these lates to be removed from my credit. If the lates are not removed and i don't receive proof of the reporting being accurate then i will take further, legal, action.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to your bureau about my identity theft, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information that is damaging my file. 
Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have contacted the associated banks, provided the necessary documents, and they have promptly deleted the account from their records. 

Additionally, other credit bureaus have already removed This account following the submission of the FTC report. I am curious about the verification method your bureau used to continue reporting this fraudulent account. 
XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX  I sent a payment of {$170.00} via cash app to XXXX and XXXX XXXX aka XXXX declined the payment On XX/XX/XXXX at XXXX XXXX  I cancelled a payment of {$25.00} via cash app to XXXX I contacted cash app support and I was unable to speak to a representative via phone The cash app representatives told me cash app had given me my refunds for {$170.00} and {$25.00} to my card on file Its been more than 7 business days and I have not received the money They told me to contact my bank that they refunded the money to but my bank representative told me that cash app had not distributed any refunds Of {$170.00} or {$25.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I opened a dispute with several accounts with Experian explaining that I didn't authorize the transactions. They then updated my credit profile with no resolution or change on XX/XX/2022. They are in violation of 15 US Code 1681I - Procedure in case of disputed accuracy. Their investigation was done in an improper manner. They didnt reach the right results. They left me with false credit reporting. I asked them to provide me with whom you talked to at these companies and to provide me with original credit documents and or evidence confirming that these reportings made by these companies of reference are legitimate and were validated by me. They, for the 2nd time, closed my dispute and didn't provide me with any proof and just left me with reportings again. It's already been more than 60 days and with no resolution nor did they send me anything in the mail. I am now demanding they remove it since they had more than enough time to investigate it and to provide me with what i was asking for. The companies in question are : XXXXXXXX XXXX XXXX - {$300.00} XXXX XXXX XXXX XXXX - {$610.00} XXXXXXXX XXXX XXXX - {$2600.00} XXXX XXXX XXXX XXXXi XXXX - {$300.00} XXXX XXXX XXXX  XXXX - {$990.00} XXXX XXXX XXXX - {$900.00} XXXX XXXX- {$460.00} XXXX - {$900.00} XXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX - {$140.00} Remove them now. you are violating my rights and now its consider fraud.
Product: Credit reporting or other personal consumer reports

RE : Formal Demand to Remove Inaccurate Child Support Account from Credit Report To Whom It May Concern, This letter serves as my third and final demand that you immediately remove the inaccurate child support account information from my credit report. I have previously notified you of the inaccuracies, yet no corrective action has been taken. This ongoing violation of federal law demonstrates negligence and disregard for your legal responsibilities.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are legally obligated to ensure that all information you report is accurate, complete, and verifiable. Specifically : 1 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in the information they report.

2 15 U.S.C. 1681i ( a ) ( 1 ) : Upon notice of a dispute, you are required to conduct a prompt and thorough reinvestigation to verify or remove the contested information.

3 15 U.S.C. 1681n : Noncompliance with the FCRA subjects you to civil liability, including actual damages, statutory damages of {$1000.00} per violation, punitive damages, and attorney fees.

In addition to your violations of the FCRA, multiple court rulings have affirmed the illegality of reporting inaccurate or unverified child support accounts to credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The court ruled that the federal government wrongfully reported child support arrears to credit bureaus and ordered the records expungedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) : The court found that the child support agency violated the paying parents due process rights by reporting arrears without proper notice.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court reversed a decision to report child support arrears due to a lack of evidence and improper procedures.

I have solid evidence that the child support account information you are reporting is false and was provided without proper verification or notice.

I have never provided my consent for this account to be reported, which is an additional violation of my rights.

As a result of your continued failure to comply with federal law, I have suffered significant harm, including financial damages and emotional distress. Therefore, I am demanding : 1 Immediate removal of the inaccurate child support account from my credit report.

2 Payment of {$1000.00} in statutory damages per bureau for failing to comply with the FCRA, payable to me at the address listed above.

If you fail to comply with this demand, I will have no choice but to initiate litigation against all three credit bureaus for willful violations of the FCRA and associated damages. In court, I will seek the maximum allowable damages, including statutory damages, punitive damages, and attorney fees. 

This is your final notice. I strongly urge you to take this matter seriously and fulfill your legal obligations. You may contact me via email only. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX Contact via email only XXXX All rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to remedy the situation but would not help correct these fraudulent and inaccurate accounts. 

XXXX. I XXXX XXXXXXXX ( original creditor : XXXX XXXX communications XXXX ) XXXX XXXX PER MNG ( original creditor XXXX XXXX ) XXXX XXXX ( XXXX x reserve at XXXX XXXX ) XXXX XXXX ( original XXXX XXXX XXXX ) XXXX