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

In XX/XX/XXXX I called XXXX XXXX  and told them that a fraudulent utility account was showing up on my credit report. XXXX XXXX XXXX informed me that I needed to make a police report, and complete an affidavit in order for them to investigate the matter further. On XX/XX/2019 I contacted XXXX XXXX XXXX again in regards to a suspicious utility account that I found on my credit report that was not mine and again explained to XXXX   XXXX that I had an affidavit, and police report reporting the identity fraud for the fraudulent utility account and was advised by XXXX XXXX XXXX to fax it to their Collection Dept which I did. XXXX XXXX XXXX informed me that they were in receipt of the documents and would need 90 days in order to investigate the matter and that they could not delete the account from my credit report because the account had been sold to a collection agency- LJ Ross . On XX/XX/XXXX I also contacted LJ Ross and told them that I had been a victim of identity theft, and that I had an affidavit and police report corroborating that, and asked them to remove the account from my credit report and to stop reporting it to the credit bureaus. LJ Ross advised me that they could do neither until XXXX XXXX XXXX told them that their investigation was complete. It has been past 90 days and this account is still showing up on my credit report. It is the responsibility of the furnisher to report accurate and correct information per the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

After several rounds of disputes with ChexSystems about this address there has not been any real investigation. I gave them a contact number to the Apartment community that they are supposedly representing on my report. The address that you are reporting is invalid as well as incomplete and can not truly be verified. To the least, the address has not been authenticated as per my requirement as you are falsely reporting inaccurate information on my report. I challenged ChexSystems to verify in their re-investigation an address that is not a valid United States Postal Service address according to the rules of the FCRA regarding re-investigations. ( COPIED FROM AFFIDAVIT ).
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.

1, XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Months ago I addressed an account on my XXXX Credit Report that had a XXXX/XXXX XXXX account listed. This account in no way belongs to me. It is continuously hindering my ability to obtain credit and I need it removed immediately. The amount is {$400.00} and it says paid. I have attached XXXX and Equifax reports. Neither of the reports contain this XXXX account. Other than this negative remark on XXXX I have exceptional credit. I am highly disappointed that it has not been corrected and frankly feel violated. This issue needs to be rectified Immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX USC 1681 also states I have a right to privacy I didnt give permission for these items and they are fradulent not got by me also code 42/408 states that because there is no lawful money using my social security number at any establishment for credit transactions or loans is a crime.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 

- XXXX XXXX / XXXXXXXX XXXX # XXXX - XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Has Violated My Rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account Without my written instructions. 15 U.S.C 1681 C.

( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX mortgage - I have paid on time over XXXX payments, never missed a payment, and about 2-3 years ago the payments were not being applied to principle correctly. Last year nearly XXXX % of the payments were interest only. Mis-allocations continue to be made and I have to complain very month for them to adjust and re-apply. I do not believe the principle owed is correct. I have paid over {$60000.00} ( XXXX payment at {$600.00} each ) and my principle has gone from {$76000.00} ( original loan amount ) to {$69000.00} after 7 years. Every customer service representative and every escalation ends up with people saying how messed it is and how they have no idea on how to correct it, project teams were assigned to correct it and no access to them or resolution - it continues to happen.
Product: Student loan

FEDLOAN servicing claims I was delinquent several times, some over 150 days, XXXX times on my credit report. I have attempting to contact them and get this resolved but they will/can not help. I received one monthly statement from them and except for maybe 2 months in each year was behind because I was filing for income based repayment ( IBR ), Deferment, forbearance, which I had been approved for. 90 % of the one monthly statement I received from them had a {$0.00} payment due. Currently my account is discharged due to XXXX and it is no longer with them and all they tell me to do is contact the new creditor, but they have nothing to do with what FedLoan is reporting. Their loan and reporting practices which from what I have read is under investigation has cost me a mortgage, a loan and I ca n't even rent an apartment. It looks like I have not made payments on XXXX separate monthly account statements several times at the same time for 150+ days. This is incorrect and should be considered illegal reporting. By failing to update and correct previously reported information, FedLoan Servicing is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Product: Debt collection

PDQ Services INC, has violated my rights as a consumer. They report two ( 2 ) accounts to the credit bureaus under my name, dob and ssn. I do not owe PDQ Services Inc any money or the original company Center for XXXX. I paid via XXXX XXXXXXXX card and was told I didn't owe any money. Also, I never received a debt validation letter from PDQ Services Inc prior to them putting these two accounts on my credit profile. If these two ( 2 ) false accounts are not removed from each credit bureau I will seek council from an attorney. Also, I would like for PDQ Services to send me signed agreements and contracts from Center for XXXX showing I agreed to pay that amount because I still have the original email from the surgery scheduler regarding the total amount that I was responsible for and I paid it. I will be providing my attorney with the email which shows I paid the amount asked of me and that payment was made via XXXX XXXX payment. As stated by my attorney, I can sue PDQ Service up to {$1000.00} per account listed on my credit profile inaccurately and falsely.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX XXXX XXXX and my personal information was compromised due to this company lack of data security the accounts below need to be deleted from my credit profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question has been closed since XX/XX/XXXX. However, starting in XX/XX/XXXX, my credit report was changed to show that I had late payments for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not true, every single payment was made on time and deducted directly from my checking account on the XXXX of every month. I disputed this with the credit bureaus and they did fix it to show all payments made on time and no XXXX days late payments were ever made. This event reduced my credit from XXXX to low XXXX 's for a few months while it was resolved. 
In XXXX of XXXX, again my credit report was changed to show now that I was XXXX days late on payments for XX/XX/XXXX and XX/XX/XXXX. Again I have disputed this with Transunion, and they are investigating it. XXXX does not show this at this time. I am not sure what XXXX  shows as I have no free access to their credit report at this time. 
I have called XXXX XXXX XXXX twice now, and they keep saying they are not the ones making these reports. XXXX XXXX XXXX also states that my payment history is perfect and I have never been late on any of my payments. Yet my credit report is still wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following addresses in errors. I have offered to show equifax my tax contract bill for my home ownership of XXXX XXXX XXXX XXXX as of XX/XX/XXXX and they ave refused and correct the errors. The current address is correct accept for it should show XX/XX/XXXX not XX/XX/XXXX I have had to file a identity theft reports due to protect myself address against fraud of which it happened again with them due to their two security breaches at equifax of which i was a victim and they never sent me the claim forms for the expenses i incurred. The Fraud also happened in another state of which i have documents to show where i was violated on my addresses with equifax in the state of Minnesota. 

Equifax has my former address of which i never lived there in XX/XX/XXXX, The information is conflicting and fraudulent so when i apply for credit it makes me appear to be unstable. This information should be deleted immediately because i challenge equifax to show me a lease or mortgage from either address so that i can have XXXX XXXX attorneys to investigate for a lawsuit of either address being in my name of XX/XX/XXXX.Below it shows two conflicting years. The former address and years needs to be deleted immediately XXXX XXXX XXXX, XXXX Ohio XXXX Reported XX/XX/XXXX XXXX XXXX XXXX, XXXX Ohio XXXX Reported XX/XX/XXXX This information is deceptive in equifax and needs to be deleted as former how can I live at three different addresses all in XX/XX/XXXX including the current. I dont under that i have a fraud alert with my current phone number and they did not even contact me about my address as a fraud alert victim.
Product: Mortgage

OnXX/XX/XXXX I submitted a complaint ( case # XXXX ) against Stonegate Mortgage ( now known as XXXX XXXX XXXX ). In response to that complaint, XXXX XXXX XXXX stated ' I am working internally to ensure proper training is facilitated to our call center associates so that we may prevent this error in the future. '' I am writing this complaint to make it known that XXXX XXXX XXXX has become more deceitful in their practices. They breached the contract entered into XX/XX/XXXX by failing to issue a modification after I made the 3 trial payments and refused to acknowledge the date of our contract. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a servicer who went into my backyard and had my XXXX year old daughter signed court papers. The servicer told her that the bank was going to take her house away. My daughter was very disturbed by that. With tears in her eyes, she asked me over and over again if that was true. My daughter had been through a lot of turmoil beginning with my divorce which forced us to relocate, an absentee father and my battle with XXXX and several related XX/XX/XXXX ; last one on XX/XX/XXXX. She had been in XXXX XXXX but now attends regular classes and was doing well until a stranger told her that she was loosing her home. Does XXXX XXXX XXXX have the right to threaten a child with loss of her home? 

While trying to obtain a second modification, I was told by XXXX XXXX XXXX ( XXXX ) that my time to send additional papers had expired, which was a falsehood. XXXX XXXX XXXX ( XXXX ) contacted me on XX/XX/XXXX and informed me that my second attempt at modification was denied due to reasons that I was delinquent on the first one within 60 days. This was also a lie because I made 7 consecutive on-time payments and they defaulted on the contract. She proceeded to tell me that my house would be put for sale within 15 days which was a lie. I ended up in the ER after that phone call. XXXX contacted me a few days later and stated '' do n't bother filing for an appeal because our decision is final, '' which was also a lie since I have the right to file an appeal. 

Thereafter, they constantly called and harassed me at all hours of the day even when I was at work. Many times I was with a hospice patients. Doing my job demand that I have my cell phone on me. It was disturbing so I started making notations. For example, they called me on XX/XX/XXXXat XXXX XXXX  and on XX/XX/XXXX at XXXX XXXX. Each time I picked up, the person on the other line hung up the phone. OnXX/XX/XXXX at XXXX XXXXXX/XX/XXXX, they called me and when I answered the phone, it was a voicemail. OnXX/XX/XXXXhey called me at XXXX but when I did not answer in fear that they would hang up on me. OnXX/XX/XXXX, they called me and when I answered the phone, again no answer. As I am writing this letter today,XX/XX/XXXX at XXXX XXXX, they called me but I was too afraid to answer the phone. 

I understand that XXXX XXXX XXXX has the right to contact me by phone but do they have the right to harass me? I now live in fear of answering the phone when I see their number.
Product: Debt collection

I Have been reviewing my credit reports and noticed I have two collection accounts one from LVNV Funding LLC and XXXX XXXX XXXX for A XXXX XXXX  Credit card. each collection has one listed from around XXXX for XXXX and the other listed in XXXX for XXXX I don't recall having a XXXX XXXXXXXX XXXX around the time of the second account and The Original creditor Isn't listed on my credit report for either account, suggesting the first one aged off, closed or charged off the account. I also noticed both collection agencies are owned by XXXX XXXX XXXX. 

This leaves me to believe there is an " error ''. So I'd like both LVNV and XXXX to provide documentation showing these two accounts aren't actually duplicate. Please provide all relevant and reasonably necessary documentation showing these are two separate accounts. 

Thank you
Product: Credit reporting or other personal consumer reports

I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) due to the credit bureaus and data furnishers failing to comply with their legal obligations to properly investigate my disputes, as required under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ). Despite multiple dispute submissions, which included sufficient documentation proving inaccuracies, the credit bureaus have not conducted a reasonable reinvestigation and continue to report incorrect information on my credit report. Additionally, the data furnishers have neglected their legal duty to investigate the disputed information when notified by the credit bureaus. Their failure to uphold these responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX I saw a " collection item '' on my report, but I knew that I did not have any collections. I sent a Certified validation request to Zion 's Debt based on the information listed directly in the credit report. The USPS service sent the letter back " XXXX time exp retn to sender ''. I sent another request in XXXX, XXXX using the same information again from an updated credit report. The USPS service returned the letter " Return to Sender Not Deliverable As Addressed Unable to Forward ''. In XXXX, XXXX I sent a removable request to XXXX based on the obviously erroneous information in the report and fact that I could not obtain a validation from the creditor, in accordance with the FCRA, along with my a copy of my Driver 's License to verify my identity. I have confirmation of delivery, but XXXX never responded. I have since had XXXX loans denied as a direct result. Today, the collection is still on my XXXX report XXXX XXXX and is now showing on my XXXX report XXXX XXXXXXXX as well. Additionally, Zions Debt has never contacted me directly at all.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. 15 U.S.C 1681 section 602 A. Stated 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: Debt collection

On XX/XX/23 I received a letter from IC Systems, on the letter in giant bold letting it says " TOTAL AMOUNT OF THE DEBT NOW : {$290.00} '' Due to some health issues I wasn't able to call until XX/XX/23. I called to try and resolve the debt expecting to pay {$290.00}. I spoke to a representative named " XXXX '' and explained to her why I was calling, I repeatedly asked to pay the debt that is on the paper they sent me but she kept telling me I owed over {$700.00}. She then told me " yeah ... sorry the wording is weird on that '' but I'm not understanding how " TOTAL AMOUNT OF THE DEBT NOW '' can be taken any other way. She offered me a settlement of {$500.00}, which I wanted them to honor the amount listed on the paper. I felt this was very deceptive and a bait and switch to get me to call in so they could get my information. I asked to speak to a manager. 

Manager " XXXX '' got on the phone and just repeated the same thing she did, " {$290.00} was ADDED to the existing debt, it isn't what is owed '' even though the paper clearly says " TOTAL AMOUNT OF THE DEBT NOW ''. I tried to settle for even {$400.00} but they wouldn't work at all with me even though their notice they sent to me was extremely deceptive and I feel like it was a misrepresentation of the debt. I can include a picture of the paper they sent me, they even acknowledged they are seeing what I see but their answer was " it's worded really weird ''.
Product: Student loan

I have not supplied proof under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In accordance with the fair cridit reporting act XXXX  Account XXXX XXXX have violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may noy trear a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Mortgage

I wish I had know about the CFP years ago, but I could use your help now. I was foreclosed on by PHH but filed a countersuit against them. All of that is over now but PHH refuses to send me monthly statements. I 've called them and sent notes with my payments. The second call about a month ago they told me, they would send statements. I am not 100 % sure what the payments are and fear getting in trouble with them again. My house will be paid off in a couple of years but meanwhile, lots needs to be fixed, etc and I ca n't get a loan. I 'll look some more at the website but if you could get them to send me monthly statements, I would really appreciate the help.
Product: Credit reporting or other personal consumer reports

These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.
Product: Credit reporting or other personal consumer reports

In reference to Complaint # XXXX, I previously informed Equifax of unauthorized inquiries on my credit report and provided an FTC Identity Theft Report. Equifax responded stating the inquiries were verified but failed to explain how this was done. Under the FCRA, inquiries must be for permissible purposes ( employment, insurance, court order, or firm offer of credit ), none of which apply here. I refer to XXXX XXXX XXXXXXXX, which requires proper verification of disputes. I request the removal of the following inquiries within 7 days : 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