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

XXXX XXXX on behalf of XXXX XXXX - XXXX XXXX obtained a judgment against me that is being reported to the credit bureaus and it should not be. 

As of XX/XX/08 civil judgments are no longer to be reported on credit bureaus. In addition their judgment doesnt identify me with a date of birth, social or address. 

Also, in Ohio per ORC 2329.07 judgments are only valid for 5 years unless revived, which this account was not- its reported as charged off. 

Also, the amount of the judgment is incorrect.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

The above listed descriptions of the behavior of the agency are not exactly descriptive of what they do, but I had to mark one option in order to be able to expand on the subject. Let me explain. The XX/XX/XXXX/XX/XX/XXXX meltdown had terrible financial repercussions on my family and I. When people around me were declaring Chapter XXXX bankruptcy, I stuck it out and fought back in order to pay back loans. My house went into foreclosure three times and three times I saved it from this fate by providing mountains of bank-requested documentation, many times the day before the house went to auction. The mortgage bank purposely lost the mountains of documents they requested and in the process protracted the home loan modification period to well over two years. Two years of suffering, not knowing whether the next month we would still be living in the same home. And this is after cooperating with the bank and yielding to their every whim. Regardless, I am so grateful of having achieved this and of my clawing back from a situation that forced others not as fortunate to fall. Tragically some of my debts went without recourse and I lamentably could not pay them back. This credit card debt is one of them. The reason I stated the best description of the issue as being communication tactics is as follows. I noticed that collection letters this company has sent to me appear to be from supposedly the same debt collection company. What I found is that each letter comes from a different entity that is at least outwardly, similarly labeled but importantly different in their content. If you are not careful, you could fall for XXXX of the XXXX statements and options they present to the you, the debtor. For example on one form, they state that because of the age of the debt, they wo n't sue me. On another letter, that is still under the same name overall but a different direct entity, they make no mention of not suing. In fact in this version of the letter they threaten to pursue a judgement. So which is it? Either they wo n't sue me or they will depending on the very vague statement that depends on which form you receive and at which point in the timeline? These are very disturbing tactics that quiet frankly took me an inordinately long time of analysis to catch. They do stress however that they will continue to report it to the credit reporting agency if I do n't pay the balance that I owe plus the interest accrued. I have enclosed images of what they send me routinely in the mail so the reader can compare both communications ; in my opinion very deceitful and dishonest. I can not help but wonder how many unsuspecting people have been the victim of this form of manipulation of the written media. This must be stopped!! These are legal firms with bar-authorized attorney carrying out this form of misrepresentation. Your group could do a great deal to correct this
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint about Information in Credit Report : Bankruptcy I am writing to file a complaint about inaccurate Bankruptcy the following information in my file.. 

This item ( see attach ) is inaccurate because I have never had Bankruptcy before in my life. This information is false which is claimed to be given to them by the court the courts ( see attach ) does not report information to any credit reporting agency. I am requesting that this item be removed at once to restore my accurate report of my credit. 

Enclosed is documentation supporting my request : a copy of my credit report. that all three agencies are reporting non facts about me every having a backrupty and that the information is coming from the courts. 

Requesting this information be removed from all credit reporting agency as soon as possible. 

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

To whom it may concern hi XXXX XXXX XXXX XXXX the consumer natural person am informing you that I am aware that Experian has continued to violate my consumer rights. I have listed several violations within the documents sent, even after I have informed them not to continue in these violations and to remove these fraudulent and inaccurate information. They still continue to proceed in furnishing it to my knowledge in law Ive been violated up under multiple rules 15 USC 1692 ( a ) ( 3 ) ( 4 ) and ( b ) 15 USC 1681 ( b ). I have been injured numerous of times from Experian These injuries include but are not limited to Being denied extension of credit my reputation has been Bruised Loss of employment XXXX and mental anguish
Product: Debt collection

Around XX/XX/year> I received a call from FCO collection agency attempting to collect a debt that I had no knowledge about. I informed them that I had been a victm of Identity Theft and I had never rented the property in question. They then proceeded to tell me that the debt was {$1800.00} and how would I like to pay. I then asked them to send me proof of the debt Hoping I could gain a little bit more information as to who is behind the ID theft. I provided them my email address and they sent the bill. I told them I had 2 police reports and also filed at identitytheft.gov on other rentals I previously discovered. I assumed they would cease the attempt knowingly that I was victimized. Please help me to get them to remove this collection from my credit file, it is not a legitimate filing.
Product: Credit reporting or other personal consumer reports

I would like this inquiries to be removed from my Experian credit report please, down below i will be listing them. 


Experian XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> 2024
Product: Debt collection

I have contacted American Revenue Management on 5 separate occasions about an unknown entry they have placed on my credit. 
I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the account belong to me.
Product: Mortgage

I would like to know who owns a home equity loan. I keep getting correspondence from XXXX banks. This loan was originated by a different bank and has been sold numerous times. I want to know which company OWNS this loan not which company services the loan. When was this loan acquired and what is the balance.
Product: Credit card

In XXXX XXXX, I received a promotion to sign up for the Alaska XXXX XXXX XXXX card administered through Bank of America. The letter was dated XX/XX/2023. The main offer in the promotion was XXXX XXXX  XXXX bonus miles upon spending {$3000.00} within the first 90 days of receipt of the card. This card has a {$95.00} annual fee. I promptly signed up for the offer, and don't hear anything back for a while until a letter dated XX/XX/2023 arrived from BofA asking me to provide a completed Form SSA-89 to authorize them to collect and confirm my SSN and income from the Social Security Administration XXXX I send them a filled out SSA-89 per their instructions and don't hear anything back until another letter dated XX/XX/2023, asking for the same information again. Once again I send them another completed SSA-89 form. I finally receive the card in the mail on XX/XX/2023 ( the letter was dated XX/XX/2023 ) - and noticed that it mentioned the sign-up bonus was only XXXX miles for spending {$3000.00} within the first 90 days. I immediately called BofA and spoke to multiple reps, and they all confirmed that they saw the XXXX miles sign-on bonus, not XXXX as was offered, and couldn't do anything about it from their side, despite me still having the original promotion letter that they had sent me during the summer.
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. 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 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. I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists These accounts are in clear violation of 15 USC 1681 XXXX/DEPT OF ED {$1800.00}, XXXX/DEPT OF ED {$11000.00}, XXXX/DEPT OF ED XXXX XXXX XXXX/DEPT OF ED {$2200.00}, XXXX/DEPT OF ED {$4300.00}, XXXX/DEPT OF ED {$14000.00}, XXXX/DEPT OF ED {$14000.00}, XXXX/DEPT OF Ed {$16000.00}, XXXX/DEPT OF ED {$9600.00}, XXXX/DEPT OF ED {$4900.00}, XXXX/DEPT OF ED {$2800.00}, XXXX/DEPT OF ED {$10000.00},
Product: Credit card or prepaid card

This involves my Kohl 's credit card. I have paid my balance in full and interest fees. I was told by Kohl 's my late fee would be waived but it has not and more late fees have been added. Kohl 's has now turned the balance over to debt collection and I am being called at least daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /   2017  I disputed  XXXX  hard inquiries online through Equifax that was not authorized by me. Equifax told me that I had to contact the creditors directly and I did that as follows and none of the creditors was willing to remove them because they dont know how to remove them. I then called Equifax and told them the situation and they told me that they could n't remove them as well unless they had a notification. Somebody is not telling me something and I need those hard inquiries removed.  XXXX  of them are from  XXXX   XXXX   XXXX  and  XXXX  of them is from  XXXX   XXXX   XXXX  services.
Product: Mortgage

I received an email saying that because my insurance and tax went up, there was an escrow shortage of {$4600.00}. I mailed a check for that amount on XX/XX/XXXX. The check was cashed, and the next week I received an email showing that I still had a balance of {$780.00}. When I noticed this balance, I asked the PHH Mortgage representative to take out the shortage payment from my account. I was told that she could not do that. Then that very same day, I submitted a check of amount {$780.00} to be applied to my escrow account. The memo portion of this check reflects that this payment was supposed to be applied to the escrow. However, when I called customer service on XX/XX/XXXX, I was informed that this amount was applied to the principal instead. This was done in error. 

I emailed PHH mortgage on XX/XX/XXXX to request in writing that the {$780.00} payment I sent be applied to the escrow. I received a response the next day stating that the email address on file did not match my information, ( which is obviously false since I only have one email address ), so they could not assist me for security reasons. I was told to call the customer care line again. I even submitted an email on the lender 's website to pass along the message, but an error message populated stating that the form could not be received, and that I need to call customer service. I was currently unable to even send email messages to the company to reiterate my previous request that my payment be applied to the escrow account. It is clear to me that PHH Mortgage evaded any written communication from me in order to profit from my growing escrow. 

Eventually, on XX/XX/XXXX, I received an email stating that my previous payment was applied to the escrow. However, last month and this month they added {$370.00} to my mortgage payment. Unfortunately, I still have not received an explanation as to why this amount was added to my mortgage payment. I paid {$740.00} for an amount that I am not aware of. 

Considering that I paid my escrow, and the shortage in full, I ask that PHH Mortage immediately refund this {$740.00} amount from my mortgage account and send a revised statement showing that this was done. Please inform me when this is done and ensure that the change reflects permanently on my upcoming statement. 

Thank you.
Product: Credit reporting or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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: Checking or savings account

A payroll deposit that was sent has not been added to my account. The bank is blaming a 3rd party vendor and taking no responsibility for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX, Amount : $ XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX AMount : {$63.00} XXXXXXXX XXXX XXXX Amount : {$140.00} XXXXXXXX XXXX XXXXXXXX Amount : {$180.00} XXXXXXXX XXXX XXXXXXXX Amount : {$400.00} XXXXXXXX XXXX XXXXXXXX Amount : {$280.00} XXXXXXXX XXXX XXXXXXXX Amount : {$170.00} XXXX XXXX XXXXXXXX Amount : {$230.00} XXXXXXXX XXXX XXXXXXXX AMount : {$120.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$70.00} Date : XX/XX/XXXX XXXX XXXXXXXX Amount : {$280.00} XX/XX/XXXX XXXX XXXXXXXX Amount : {$270.00} XX/XX/XXXX XXXX XXXX Amount : {$320.00} XX/XX/2022
Product: Debt collection

After several attempts of trying to legally communicate and validate a debt that Ability Recovery Services is trying to collect they are negligent and less than professional in responding to the issue. 

Ability Recover Services has reported to my credit report without validating a debt they purchased. It has come to the point that it is just harassing them avoiding the issue then dealing with the matter. 

They are using a false instrument 'contract ' which does n't contain my signature. This contract also is a contract for a period of " 2 '' months. There report to the credit bureau 's state the XXXX delinquency as of XXXX/2014. 

1. I have provided proof of payment for months including the month XXXX/2014 they claim late as report to the credit bureaus. 
2. I have fully satisfied this contracts " 2 '' months agreement and vacated premises before XXXX/XXXX/2014 with proof of payments3. Within the contract " Customer agrees to all terms listed below '' must give 10 day notice in writing before vacating ... Please provide a copy of the letter I submitted. 
4. Provide me a real document containing my signature " XXXX XXXX ' not someone else 's signature. 

I will advise you at Ability Recovery Service to run your business in a professional manner, you on going XXXX word replies and being stupid are getting rather lame to me. Please provide FACT proof to your so called collection or get it off my credit report. 

I have submitted documents with this complaint ; 1. The false instrument 'contract ' you submitted to me that does not contain my signature. 
2. Receipts of payments for the debt you 've reported to the credit bureau 's ( receipt XXXX XXXX rent ) Paid3. Copy of Credit report for the month of delinquency XXXX/2014I have validated your claims " invalid '' and have satisfied this money you so called seek with the information above. I will not submit anything with my real signature to you to avoid anymore fraudulent activity. 

My signature proof will be submitted if need be to the Attorney General with such item 's as:1. car registrations2. Checking account checks3. Deed to home purchase
Product: Credit reporting, credit repair services, or other personal consumer reports

We stopped using XXXX nearly 3 years ago and cancelling our account resulted in charges and fees which were very hard to verify. They would sent people to our home to collect equipment and then contact us for payment for unreturned equipment for over a year. The same thing happened with the balances owed. XXXX has sent this to collections multiple times and we disputed it every time asking for proof of the debt. The debt collection company they used sent us proof and then we notified them that it was not a bill or anything we could reconcile showing we owed XXXX for services used. We also provided an updated phone number to that debt collector to reach back out to us when they had some proof. When checking our credit we found that XXXX had changed the debt collector on the account  who we do not show any correspondence from, nor phone calls. I answer even spam calls and they have not reached out one time. XXXX moved this debt from another collector and never updated our phone number, giving us no way to know there was an active collection against us. They are not willing to remove the inquiry from our credit report and to date have not shown proof of the debt. As a company they do not understand that their system is broken and they try to charge consumers for things they do not owe. Like equipment returns. If there are then other payment disputes consumers will be weary to pay what seems to be false charges.After trying to collect for equipment that was returned for a year and then saying we owed money for something a year after we ended the service would seem suspicious to any person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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
Product: Credit card or prepaid card

On XXXX I logged into My American Express account and was informed that my accounts have been closed. 

Their support team online provided a phone number that describes its working hours from XXXX XXXX XXXX XXXX XXXX eastern. I called this number 8 times and nobody was working. 

No written notice of account cancellation was provided. Nobody from American Express has attempted to resolve this issue in a timely manner.
Product: Debt collection

calling over 5 times a day, every day for the last month
Product: Credit reporting

On or around XX/XX/XXXX I mailed Equifax letters informing them that my personal information has been used fraudulently resulting into several accounts being opened and sent to a collection agency. Equifax failed to answer or dispute any of the accounts that where being reported as a result of identity theft. They knowingly violated 15 U.S.C. 1681 ( c ) 2 ( a ) 1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX