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

I feel like the credit bureau has been working against me as a XXXX man all my life my credit score got to XXXX then they dropped me XXXX points out of the blue in XXXX of 2021
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I entered into an arrangement with a third party to purchase an item. I paid for the item through XXXX, which utilized my debit card for payment. The person never sent the item, and, through communication with the seller, it appears that her account was hacked and this was a scam. Upon receipt of this information, I immediately disputed the charge with my bank. They did an investigation and determined that the charge was valid because the company, XXXX XXXX, said it was. I filed a CFPB complaint with XXXX, who said that, in cases like this, " the cardholder typically files a chargeback dispute to the issuing bank of the card used to get their money back. '' Also, " Once a chargeback dispute is initiated, which occurred here, the chargeback dispute is decided exclusively by the bank that issued the payment card used to make the payment. '' I have evidence that this was all a scam, and that I did not receive the item from this seller.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done buiness with any of them .These collections companies do not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also Ally Bank.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.
Product: Credit reporting

I previously submitted a Consumer Finance Protection Board dispute ( XXXX ) in which I disputed a XXXX day late mark reporting erroneously for XXXX Account # XXXX. Equifax replied that the account was reporting paid as agreed. As of XXXX/XXXX/15, the account is reporting a XXXX day late mark again via Equifax. I need an explanation as to why this was reinserted to my account and why I was not notified in advance. Credit Report # XXXX supplied by Equifax on XXXX XXXX, 2015 will show the account reporting paid as agreed, no lates.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. Trequest an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Debt collection

I have only received phone calls with limited information from a company called Merchants and Medical. They have been very harassing and threatening. I called the hospital they claimed I owed money to. According to that medical facility, I do not owe anything to anyone in that system. The lady said it was {$260.00} and it has shown up on my credit report as {$200.00} This also is very suspicious. I did not receive any paper bills in the mail, nor did I receive any notifications that I had an account that would end up in collections. I am currently disputing these collections charges on both of my Credit reporting agencies.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EASTERN ACCOUNT SYSTEM, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear EASTERN ACCOUNT SYSTEM, IN, I am writing to formally request validation of the debt associated with my account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. This request pertains to the debt you claim I owe, reported under Account Number listed below. I am exercising my legal right to ensure that this debt is valid and that you are legally entitled to collect it.

Please provide the following documents to validate the debt : 1. A copy of the assignment contract or other documentation showing your legal authority to collect this debt.

2. A copy of the purchase agreement or proof of sale, indicating the transfer of this debt to your company.

3. A detailed accounting of the debt, including the original creditor, the date of the original agreement, any payments made, and a clear breakdown of the amount you claim I owe.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, it is unlawful to report inaccurate, incomplete, or unverifiable information to credit bureaus.

The continued reporting of this debt without proper validation is a direct violation of my rights and constitutes defamation of my credit profile. As such, I am demanding the immediate removal of any reference to this account from all major credit reporting agencies ( XXXX, XXXX, and XXXX ) within 14 days of receiving this letter. 

Failure to validate the debt or remove inaccurate information will result in my pursuit of statutory damages for each violation. I am entitled to {$1000.00} in damages per offense under both the FDCPA and the FCRA for defamation, as well as any harm caused by your actions. 

Furthermore, this letter also serves as a formal cease and desist notice under 15 U.S. Code 1692c. I demand that you cease all forms of communication with me regarding this debt unless you can provide full validation. Any continued collection efforts, communication, or reporting of this unverified debt will be considered a violation of my rights under the FDCPA and FCRA, and I will seek further damages as allowed by law.

Failure to comply with this request will result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals office. I will pursue all legal remedies available, including seeking damages for defamation and harm to my credit reputation. 

I expect a complete response within 14 days of your receipt of this letter. If you can not provide sufficient validation, I demand the immediate cessation of all collection efforts and the removal of this account from my credit report. 
Sincerely, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States 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 rep
ort 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: Credit reporting, credit repair services, or other personal consumer reports

Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete of can not be verified, the consumer Dates are Invalid amount is invalid address is invalid Balance updated is invalid For these two accounts that are hurting my credit I will also contact my lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to login into myequifax.com to manage my credit freeze. On XX/XX/2022, I spent about 2 hours on the phone trying to get logged into my account. I was never successful, so I can't get credit, even though my score is around XXXX. The representative was unable to verify my identity- their software appears woefully buggy. 

When I try to login to the account, I get the message " We are temporarily unable to complete this request. '' The message never changes, day after day. 

I requested and received a verification code my USPS mail. Today, I went to my.equifax.com/pin and entered the code. It said the account was setup. When I went to login, I get the same message : " We are temporarily unable to complete this request. ''
Product: Consumer Loan

I had bought a vehicle from Express Credit Auto in XXXX. When we signed the contract, the salesman put a stack of papers in front of me and had me sign one after another without letting me read them. He said it was n't necessary because it was all standard paper work. I asked him if the Vehicle had a cutoff device, he said that they no longer used those devises. In 2014 I went through several months where I was having problems paying. Express credit said that they would put the payments to the end of the contract. Later I was at my brothers house and when I tried to leave the van would not start. I was 3 days late on the payment. when I called them they said I would have to make the payment plus a cutoff fee or they would n't turn on the van. That 's when I found out that the van had a GPS Tracker with a cutoff switch and that they had lied about the cutoff switch. I also found out that they could track every place that I went. They agreed to turn on the van but it would immediately disable if I made another stop. I was forced to go directly to the dealership and make the payment. I consider this a form of soft repo. Later I went and got a ledger of payments from them and on reading the ledger, I found out that they had closed the original contract that I signed and refinanced the vehicle without my knowledge or consent. They also showed on the ledger that they had returned {$6700.00} dollars to me during the refinance. I never received this money or saw a check made to me. They also altered they contract by adding a personal protection insurance on the vehicle in the amount of {$2300.00} without my consent which made my payments go up. I am now in the process of fighting them because they committed fraud by closing out the contract, refinancing, and altering the contract to their benefit. Also by telling me that the vehicle did not have a cutoff device with GPS. I feel that by tracking my vehicle everywhere I went, constitutes an invasion of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm showing a judgement on my credit report with this company with a back balance. This has been taken care of and paid in full but is still showing on my report and has been hurting my credit for the last couple years. I have lenders see that " unpaid judement '', that has been paid in full and settled years ago, turn me down. Its embarrassing. I have talked with the company about taking it off of my report and they claim they do not have the option to do so. HELP!!!!!
Product: Debt collection

PennCredit Corporation is attempting to collet a debt. I have closed my XXXX account for insufficient funds. I have not used my XXXX account since I called to the agent and I closed it. I just had {$10.00}. Now, they sent a notice of collection. First of all, I am in a hardship ( economy crisis ) and I am not able to pay {$48.00}. They are out of their mind. One again, I have not used the XXXX.?
Product: Mortgage

I am being forced to have force placed home owner insurance by green tree servicing LLC , for the past several moths .when my wife and I have along with my insurance company have proven and had them acknowledge the fact that we have had it ever since we open the loan seven years ago. Due to there forced insurance my monthly mortgage is$XXXX .without their insurance my mortgage would be $XXXX a month.that $XXXX. Difference could be used else where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting all three credit bureaus of unverified Bankruptcies account that is listed on my account. Every time I dispute, the credit bureaus are violating the FCRA Section 611 ( a ) for failure to investigate a dispute within 30 days. I also havent received any documents stating that this Bankruptcy is indeed mine which is another FCRA violation section 609. I have went out of my way and contacted the court house where this bankruptcy is placed at and they said that they do not communicate or share information with 3rd party companies. I have attached a letter from the courthouse as proof. All I get is this account is verified. How is that so? This account was not properly investigated and I demand this account be removed from my credit report or I am forced to seek litigation to recover for my losses from this situation which is holding up my way of living.
Product: Credit card

My applications were denied based on information from my credit file, specifically referencing accounts where I am listed as an authorized user. I applied for MULTIPLE accounts, XXXX XXXX, XXXX and As you may know, authorized user accounts are not reflective of my personal financial responsibility since I am not the primary account holder and am not liable for those accounts. I have attempted to address this matter by requesting to speak with an underwriter for clarification and a potential manual review of my application. Unfortunately, my request to escalate the matter was denied. I believe this decision does not accurately reflect my creditworthiness and is based on factors that should not be considered in evaluating my application. I also emailed corporate and was flat out ignored. I kindly request that someone from the XXXX offices contact me directly to discuss this matter further. Additionally, I am requesting a manual review of my application by an underwriter to ensure a fair assessment of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC sent me a 157-page consumer report on XX/XX/2022, a 6-page report on XX/XX/2022, ( confirmation # XXXX ) a 24-page report on XX/XX/2022 ( confirmation # XXXX ). I have sent several letters, and called several times to dispute wrong addresses on my file, and several accounts that should be deleted from my account. A neighbor brought 2 letters from Equifax addressed to me with the wrong address on them ( XXXX XXXX XXXX XXXX ). This fraudulent address was generated by Equifax ( see attached ). My personal information has been jeopardized and misused by Equifax Information Services LLC. For over 60 days, I have been calling and complaining because I have not been able to see any current information on my consumer account. I recently read the fraudulent response Equifax sent to CFPB stating that Equifax was unable to find my credit profile, or that I do not have one. I don't know what else to do about this company ( See Attached ) I wrote them a letter disputing the items from previous reports, and after 30 days, they have not responded to me. By law, Equifax must remove the identified disputed items from my report. I am in the process of seeking legal counsel if the items are not deleted. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX ending in XXXX, and XXXX XXXX XXXX ending XXXX, and XXXX XXXX XXXX  card ending in XXXX, has violated my rights below under the fair credit reporting act laws below. 

.15 u.s.c 1681 section 602 A. States I have the right to privacy. Also 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 instructins. Also .15 u.s.c 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom they may concern, Calvary has reported me to all three credit bureaus on XX/XX/2021 claiming me owing them $ $ before they validated the debt. I received the validation letter on XX/XX/2021 dated on XX/XX/2021 from Calvary as attached. Based on the Fair Debt collection practice act 15 USC 1692g Sec. 809 ( 8 ), the debt collect agencies supposedly give the consumers 30 days to respond and validate an assumed debt. Calvary failed to do so. They assumed that i owe them such debt that Im not aware of. 
1. I will be writing a letter responding your XX/XX/2021 letter to request for validation of this debt. 
2. I will file law suit against Calvary in the IL small claims court And state attorney general, if they still refuse to remove the negative reporting from my credit report.

It is against the Fair Debt collection practice act 15 USC 1692g Sec. 809 ( 8 ), that assuming such debt before the validation process. 

Regards, XXXX XXXX
Product: Checking or savings account

Im a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My father was a XXXX during the XXXX XXXX at saw combat at the XXXX XXXX. At the age of XXXX, he XXXX XXXX from what we now know as XXXX. 
This motivated me to honor veterans with high school teenagers. For XXXX  years, XXXX high schools, XXXX students, Ive have taught students that the cost of their freedom comes at a very high price. 
From XX/XX/XXXX - XX/XX/year>, my wife and I drove a XXXX XXXX XXXXXXXX to honor and apologize to our XXXX XXXX. 

During our stop in XXXX, Ohio, my Non- profit debit card information was somehow stolen and used at two different XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the same time, I was using the card at all of our stops around XXXX. 
I started the fraud investigation with Key Bank Fraud department. Hours were spent over the phone going over every transaction. After about four months, my claim was denied. 
I called and asked to reopen the case. It was denied a second time this past XXXX. I was told that I had to have made those purchases. I asked how could I have made all of the other purchases around XXXX during the same time period. I still have not received an answer. 
Remembering XXXX XXXX is a small non-profit, just em and my wife, no salaries, and we are talking about {$1200.00}. This is a huge loss for us. I was forced to cancel XXXX appearances with XXXXXXXX XXXX in Oregon. 
I hope and pray that you can help me. Getting the {$1200.00} back would be very helpful, but a donation to XXXX. would help heal all the frustration and stress Ive dealt with.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was outraged to find several inquiries from your company that I never consented to. These inquiries are significantly harming my credit and causing overwhelming stress.
Product: Mortgage

Failure of in document preparation. 
Statements mailed to the wrong address and never received since XXXX 2015. 
The fact that the borrower has dealt the XXXX different entities and XXXX different employees in an attempt to resolve payment, billing and mailing issues is troubling. The fact that payments were returned on XXXX XXXX, 2015 as " unable to process '', stating " the property is now in foreclosure '' is alarming. The borrower has been bounced around between representatives of XXXX, Athas, XXXX and now XXXX XXXX XXXX. 
The borrower has attempted to resolve servicing issues with the following employees from XXXX, XXXX, XXXX and XXXX XXXX XXXX : XXXX - XXXX XXXX - AthasXXXX XXXX - AthasXXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX was finalized in XXXX 2015 based on the XXXX XXXX, 2015 loan application, Initial_Disclosure_XXXX ( attached ). The final loan document was prepared with an incorrect mailing address then passed to XXXX XXXX XXXX for servicing. 
In a XXXX page letter dated XXXX XXXX, 2015 ( attached jpg files ), XXXX people were referenced for more information and resolution to the foreclosure. XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX of XXXX Foreclosure Department, I learned yesterday, ( XXXX/XXXX/2015 ) that neither woman had knowledge of the letter, XXXX XXXX was emailed a copy of the letter yesterday ( XXXX/XXXX/2015 ) and has promised to get back to me with more information. The borrower first contacted XXXX XXXX six days ago ( XXXX/XXXX/2015 ), I learned yesterday that XXXX XXXX actually works for XXXX XXXX at XXXX, not XXXX XXXX XXXX as stated in the letter. Further, the correspondence was mailed to the wrong city and took XXXX days to arrive ( XXXX/XXXX/2015 ) at the correct address. Just as the statements were mailed to the wrong city and never arrived. This is no way to do business.
Product: Bank account or service

For 3-4 years PNC routinely holds my tenant 's rent paid by wire transfer- typically 3-4 days before it even shows up as pending. If a holiday weekend they will hold it an additional 2-3 days. Rent typically was XXXX/mo but was raised to $ XXXX/mo this year and transfer coming via XXXX. If they can float the money and charge overdraft charges as w result they will!