23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried reaching out to all three major credit barrels. My identity was stolen. They had wrong addresses and telephone numbers listed on my report among several accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I dont know over XXXX or XXXX inquiries, I have listed them, I also enroll all XXXX my FCC report. I also filed with the identity theft.gov. I also have a fraud alert on my account. I dont understand how this can happen other than the data breach from XXXX that I was a part of and was not made aware of they leaked my information, I think thats a shame if the credit bureau was late and the XXXX XXXX XXXX XXXX and also the XXXX XXXX XXXX. My information is on the black web and its continuously being used and my credit is being ran several inquiries l to accounts open collections, and I have disputed them all to no help or response from the credit bureau or the collectors fraud account and Im not aware of these accounts. I have filed with the Fcc. I am uploading my report.
Product: Debt collection

This notice is to inform you that you are in violation of 15 USC 1692g { 809 } ( a ) of the Fair Debt Collection Practices Act, Section 1006.34 ( a ) ( i ) and Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations for non-compliance.

Under Section 1006.30 ( A ) ( 1 ) ( ii ) of The Code of Federal Regulations, no debt collector shall furnish information to a credit reporting agency about such debt without first speaking to the consumer or sending a letter in the mail. Because you have violated my consumer rights, I demand you to remove this account from all credit reporting agencies immediately. I have filed a complaint with The Office of The Attorney General to protect my rights as a consumer.

Failure to comply will result in legal action taken against TransWorld System Inc, for each violation committed which is my right under 15 USC 1692k { 813 } ( a ) of The Fair Debt Collection Practices Act and Section 392.402 ( B ) of The Texas Finance Code.
Product: Debt collection

I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : CACH , LLC Debt Collector : XXXX XXXX, XXXX Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016
Product: Mortgage

Freedom Mortgage does n't keep a running total of the amount that I 've paid in to escrow. I could n't locate this information on their website, nor their mortgage statements I 've received. I have paid additional funds toward escrow and I ca n't locate that information. I believe it is a Reg Z requirement to provide detail regarding these amounts.
Product: Credit reporting or other personal consumer reports

XXXX has not yet fixed my credit report. They havent removed and this account remains on my credit report the credit repair company I hired send them letters and XXXX rejected those letters the account I wanted to be removed is XXXX XXXX .. this company has been sending mail to my mom address I dont live nor I ever applied and use this card. And XXXX XXXX took my disputes rights away from me holding me responsible and I told to issued me a cease and desist and they didnt and kept sending me mail where I dont live anymore and I live in a shelter in California and I will not pay them a dime. My lawyers are contacting them as we speak. I want a investigation to be started on these XXXX charges or this fraudulent account to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Submitted investigation on XX/XX/2018 with the above complaint number XXXX. It has not been resolved. The credit bureau is taking longer than 30 days to resolve this issue. It is now XXXX, XXXX without any additional information from Equifax other than they are investigating this. The time has passed for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX, XXXX & Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXl XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

my repayment term of my loan is extended beyond expected lifespan. mortgage payments are not applied enough to principal.
Product: Checking or savings account

During the closing process, I truncated my account number in the wire instructions. I discovered the issue after the wire had been originated by XXXX XXXX XXXX. I called my bank, JPM Chase, to see the status of the wire and if it could be corrected on their end by their wire department. 

I have had to call multiple times and they are unable to provide a status or a consistent answer to resolve the issue. Communication with their customer service department is difficult and they are unable to contact the wire room to resolve. I have received multiple different responses and instructions. Either their policy and procedures are deficient or they are not consistently following them with regards to handling issues with incoming wires.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ablity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to venty as accurate. 
XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX Company Inquiries : 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection account placed on my credit report by Eastern Account System. I have not received any prior notification about this debt, which constitutes violations of the Fair Credit Reporting Act ( FCRA ). Specifically : 1. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), which provides consumers the right to dispute inaccurate information on their credit reports. W

ithout receiving proper notification of this debt, I was denied my right to dispute its accuracy. 2. FCRA Section 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), which requires furnishers of information to notify consumers about the negative information reported to credit reporting agencies. Eastern Account System did not provide me with the required notice within the legally mandated timeframe.

As I track all my mail using a mail picture system, I am confident that no such notification was sent by Eastern Account System. This failure to notify me of the collection account denied me the opportunity to dispute the debt in a timely manner, as provided by the FCRA. 

I am requesting a complete validation of the debt, including : Documentation showing my identity and signature on any contractual agreement that allegedly led to this debt.

A detailed breakdown of the origin and history of the debt, including the name and contact information of the original creditor.

Please consider this letter as a formal dispute under the FCRA, and I request that Eastern Account System validate the debt or remove the collection account from my credit report immediately. I expect a response within the 30 days required by law.
Product: Checking or savings account

I had two unauthorized transfers on my checking account at Navy Federal Credit Union. There were two transfers for {$50.00}, totaling {$100.00}, stolen by a person claiming to be my son. My son was XXXX and I have not seen him or spoken to him for almost XXXX years. He also does not even know that this bank account exists. Also, even if he did know about this account, he would never transfer money out of it without discussing it with me first. I told the fraud team at the bank all this information and they called me a liar. They said that the person who took the funds out of my account was in fact my real son and his name was XXXX XXXX. First of all, that is not my son 's name. And second, I don't know anyone by the name XXXX XXXX. No one has ever used this account except me. No one knows about this account except me. The message from the bank said I would need to discuss this transaction with XXXX XXXX. I do not know anyone by that name. And no one has my permission to take money out of my account. The fact that the bank fraud team were denying my claims suggests to me that there are suspicions for bank fraud. I also show that there is someone accessing my online banking from a XXXX computer using a XXXX browser. They are hacking my account. I do not ever use or own XXXX products. This could very well be the same person that fraudulently transfered funds out of my account. I would like to get to the bottom of this fraud claim and have the funds that were stolen fully reimbursed to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing this information. And seeking reports free from XXXX  and XXXX  because they are also reporting inaccurate information. To third parties such as XXXX  XXXX  etc, its preventing me from getting proper housing 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 Never done business with these companies XXXX # XXXX**** XXXX XXXX # XXXX  ,XXXX  listed twice with misspelled name XXXX, XXXX  , XXXX , XXXX
Product: Debt collection

XXXX, my account representative at ACR continues to call my work number to get a hold of me even though I gave him my personal phone number. One of the coworkers was instructed by my manager to tell him to stop calling the company and he responded with " I will continue to call, today, the next day and the next day '' My manager called him and explained to him that he needs to stop calling and he responded with saying that he wo n't stop and that I should be fired for having collectors call my job and that he would not allow employees to get personal calls at work and that I must be a terrible employee who needs to get fired.

I, my manager and coworkers have already let him know he can not call my work as he does have other ways of reaching me such as phone and email.
Product: Mortgage

This is the SECOND COMPLAINT against RUSHMORE LOAN MANAGEMENT SERVICES, LLC, XXXX FORECLOSURE and many, many others that you will see in my attatched documentation. 
We are being ILLEGALLY FORECLOSED ON by Rushmore Loan Management Services LLC, XXXX Mortgage for the XXXX XXXX, XXXX XXXX ( illegal trust! ), XXXX Bank XXXX XXXX, XXXX Foreclosure XXXX on XXXX/XXXX/XXXX. 
After submitting our last complaint in XXXX XXXX - NOTHING was accomplished!! We are STILL BEING ILLEGALLY FORECLOSED ON!! In California, we do NOT get the LUXURY of DUE PROCESS, and we CAN NOT take our case before a judge. Only if we have the XXXX +++ to do so. We do NOT. So, I ask you, CFPB, besides writing a little letter to these CRIMINAL ENTITIES, WHAT ARE YOU GON NA DO ABOUT THE CRIMES COMMITTED AGAINST US??????? I am submitting to YOU today, ALL DOCUMENTED FRAUD on our original loan documents, that Rushmore and XXXX feels that they have the right to use to ILLEGALLY FORECLOSE ON US!! I am sick and tired of submitting ACTUAL PROOF OF FRAUD AND OTHER CRIMES to Government Agencies - who by the way, take our hard earned tax payer dollars, and all they do is tell us that they CAN NOT help us! WHY NOT????? Let it be KNOWN, LOUD AND CLEAR, FOR ALL TO HEAR, that the Government Agencies that we go to for help, TURN THEIR BACKS ON US HOMEOWNERS, and let the BANKSTERS and their PARTNERS IN CRIME get away with STEALING AMERICAN CITIZEN ( and others ) HOMES!!! SEE ATTATCHED DOCUMENTS FOR MY COMPLAINT HERE ... ... AND I WILL MAIL YOU HARD COPIES OF THEM ALL ... ... ... .I HOPE YOU ACTUALLY GO AFTER RUSHMORE, XXXX, XXXX XXXX XXXX FORECLOSURE AND ALL THE REST THIS TIME ... ... ... ... ... .... I WILL NOT HOLD MY BREATH.
Product: Debt collection

Sequim Asset Solutions just started reporting a {$920.00} collection on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute. I have since called this collection agency and requested a verification of debt, but they refuse to supply it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with you > XXXX XXXX XXXX XXXX Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and realized they were inquiries on my account that I didn't recognize hence fraudulent and I would like to have them removed. A complaint was initially filed and all these removed and they reappeared again. I called the Equifax customer to report the annomalies and I was told there were no hard inquiries on my account. Fast forward a few weeks later they appeared on my account again. These includes 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 ( Miscellaneous ) and XXXX XXXX XXXX Finance ). I would like to have these removed and the error fixed right away.
Product: Credit card

I am disputing the collection account with AFFIRM INC account number XXXX dated XX/XX/year>, with a balance of {$270.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that AFFIRM INC provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

IQ Data International is incorrectly reporting someone elses debt on my credit report. 
I requested a fraud packet twice and received nothing. The last time I called they hung up on me! It is not my debt. Theyve admitted that the middle name and birthdate they have and are incorrect and trying to attach me to this debt to my social security number. It is not my debt and is costing me a mortgage and untold amounts in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry has shown on my credit report dated XX/XX/2022. 
From TD Bank USA / Target C. 
This is incorrect. I have not applied to this company ever. 
My concern is that another person has attempted to use my info to get a credit card. 
Thank you.
Product: Payday loan, title loan, or personal loan

I applied and was approved for a XXXX line of credit. This is my second time financing with company. Agreed to biweekly payment of XXXX?? Was taken out of my account fine. They then submitted a second payment for XXXX which they claim is part of their monthly service fee of XXXX. This was not properly explained to me I did not have this on my first loan with them. They have hidden in their fine print they charge a XXXXmonthly fee in addition to their biweekly payments. This is fraud and should have been out into loan docs properlybstating what payments will be
Product: Debt collection

I reached out to Phoenix Financial Services by certified mail on XX/XX/XXXX to validate a debt that was reporting on my credit report. Phoenix Financial then mailed me out a letter dated on XX/XX/XXXX that they could not verify the debt and it  will be deleted from all 3 credit bureaus. XX/XX/XXXX i received notification from XXXX XXXX and XXXX that all of those accounts were deleted from Phoenix Financial. I then received another letter dated on on XX/XX/XXXX from Phoenix Financial that they were confirming that all accounts were closed and returned to the original creditor. Today, XX/XX/XXXX I received an alert from XXXX that new collection account was placed on my XXXX  report from Phoenix Financial Services. Phoenix Financial did not send me anything prior to reporting this onto my credit report nor did they give me enough time to validate this debt. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material.
( ii ) Notice to Consumer I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for you blatant disregard for the law. I Have attached copies of those letters from Phoenix Financial Services in regards of the deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Getting very frustrated about this whole situation already. Clearly abuse of the system with failure to verify a bankruptcy. Which I have already disputed and put in a complaint on XX/XX/21 # XXXX where it was attached and confirmed that it would be removed. 

But XXXX  and Equifax are still reporting this account and stating it is verified Attached will show the copy of the complaints and responses I still have gotten and updated file from XXXX XXXX either since I requested with the information I sent by mail. 

I disputed, asked them to investigate and give me the source of the information and kept running me in circles asking for another disclosure here and just saying it was verified and not providing any information and anytime I asked they would say they needed another disclosure. 

I want a full revised report sent to me from XXXX XXXX. I want them to send the removal notice to XXXX  and Equifax to delete these items. 

XXXX  has not responded to a single dispute and keep giving me run arounds. This is completely unacceptable. It is my right per the FCRA to properly investigate items within a reasonable timeframe or remove it. 

Now how are they investigating items if I have a paper saying it was removed from my file but still almost 2 months later it is still listed. 

Before anyone get this complaint and claims to be unable to help due to verification please look at the attached items where my " CURRENT DRIVERS LICENSE WITH ADDRESS IS INCLUDED, SOCIAL SECURITY CARD AND A COPY OF A RECENT BANK STATEMENT. ''
Product: Debt collection

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response. Later after dealing with that XXXX had a major leak related to XXXX. I have attached documentation regarding this leak which includes contact information for XXXX XXXX if you would like to verify the identity theft with the bank.