23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was granted funding to reinstate my loan including all attorneys fees associated with the mortgage. Im in bankruptcy and was hoping the funding would make me whole and XXXX ALSO THOUGHT THE SAME. I and phaf were told my mortgage is reinstated.. I am not delinquent now. .Attorneys BROCK AND SCOTT are now saying I have outstanding fees to pay they are the lenders bankruptcy attorneys.. I m told... the debt verification process went through all of the funds that were owed.. I am now pressured by the attorneys they claim I owe and its sucured by my mortgage.. I have read and investigated and I find errors in the amount that they gave to get funds from XXXX and now trying to pressure me for my real a state. PLEASE HELP
Product: Debt collection

PCR kept calling me in regards to {$470.00} I owe to Nebraska XXXX University. I had finally answered one of the calls and told them to stop contacting me, as this was around the time the coronavirus pandemic began and I was losing hours at work. I also read that via the CARES Act, debt collectors for student loans are not supposed to contact you. Then they start calling my work and asking if Im there, and then hang up on whoever answers the phone. How very professional. They sent me a letter on XX/XX/XXXX and added on {$210.00} from XXXX  ... never been informed of this debt and so Im going to dispute it. They had the audacity in the letter to write we know you are employed, so you should be able to handle this situation. Extremely rude and insensitive. Everyone is struggling right now during the pandemic and I have bills that take priority over some fishy debt collector business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact them for over 60 days to investigate some accounts on my credit report. They have failed to respond to my disputes. I have not receive no correspondence about disputes at all. The information they are reporting is inaccurate and unverifiable. They are causing me great stress.
Product: Mortgage

I am in the process of selling my home, closing has been delayed because Lakeview is not providing the Power of Attorney documentation for XXXX XXXX, with Massachusetts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX an Assignment of Mortgage when my loan was transferred to a different servicer. XXXX XXXX XXXX company has been requesting this documentation for over 10 days now and again this has stalled my closing. I am incurring more costs each day and we need the Power of Attorney documentation as soon as possible. My representative with XXXX XXXX is XXXX XXXX XXXX. Please provide the documentation as it should be housed with Massachusetts XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a U.S. postal Money order. Which Cleary states at the bottom that it is a negotiable instrument which I brought and paid for the right to negotiate it. Money Order XXXX was made with the proper clauses and provisions based on banking law in the amount of XXXX in accordance with HJR-192 public law 72-10, UCC 3603 ( b ) UCC 3-311 and public law for negotiable instruments to Upgrade on XX/XX/2022. They accepted my instrument but did not credit my account correctly I did call and spoke with XXXX they refused to stand in honor of the law by applying the proper payment even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit fir them. 
I am filing this complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing ab illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Product: Debt collection

I am a victim of identity theft committed by XXXX XXXX XXXX, who used my social security number to obtain credit and employment. I submitted a police report and this criminal was subsequently arrested. However, I continue to receive nonstop phone calls from debt collectors for her debt. The most recent offender is National Enterprise Systems, which calls me numerous times per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment?

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been XXXX XXXX XXXX for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i XXXX/Sunbit XXXX/Sunbit ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last XXXX XXXX, 2022 Payment Status Charged off as bad debt Worst Delinquency None Reported Balance {$1800.00} MORE DETAILS XXXX/Sunbit ( Installment ) More Details XXXX XXXX XXXX Closed Date XXXXXXXX XXXX XXXX Open Date XXXXXXXX XXXX Last Activity XXXXXXXX XXXX Terms Scheduled Payment High Balance {$2300.00} Loan Type Unknown Responsibility Individual Account Company Name XXXX/Sunbit Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comments Unpaid balance charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address reporting on my file. Please remove ALL address that is not correct. I have uploaded my driver 's license for proof of address. I have tried to have this removed from XXXX, XXXX, and Transunion and it has not been done. This is going on for 2 years now off and on. 

Please remove ALL names that are incorrect. I have uploaded my driver 's license for proof of address. I have tried to have this removed from XXXX, XXXX, and Transunion and it has not been done. This is going on for 2 years now off and on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I asked to remove late auto payments from my report.According to ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card or prepaid card

I referred a friend through the American Express Refer a Friend program because there was a XXXX Membership Rewards points bonus. Throughout the referral, I instructed my friend over the phone and made sure my friend followed all the procedures to secure my bonus. However, after 2 months of the referral, American Express denied my bonus and claimed that " My friend did not follow the link of my referral. '' I told them I made sure everything was followed and there is even another detail : right after my referral to this friend, the bonus shown on the AMEX website immediately went down to XXXX Membership Rewards points. However, AMEX claimed that was a coincidence and kept lying about this case. 
I believe AMEX is doing this since COVID-19 was a detriment to the company, but they can not be lying about customers ' bonuses.
Product: Debt collection

on XXXX : XX/XX/XXXX IQ on the data responded to a dispute. in their letter they stated " We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$2700.00} owed to our client, Icon on the XXXX XXXX. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX, to the address that you submitted with this complaint which was not mail-returned and deemed received. " which is a violation under 15usc 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization., The original creditor is not IQ data Also they stated because i didn't respond to their letter they alleged sent out they proceeding to harrass and abuse through unfair debt collection practices by contacting me monlthy on my consumer report since XX/XX/XXXX under 15usc 1692 g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

IQ data also stated " Our office was unable to find any calls or written contact from you on your account since XXXX of XXXX '' failure to to produce a valid contract under 609 ( A ) ( 1 ) ( A ) Copies of copies are not valid the contract must be an original consumer contract with wet in signature
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XXXX, XXXX, Experian The following inquiries were not authorized by me please delete them I have never XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX  -Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXXXXXX XXXX-Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX XXXXXXXX XXXX XXXXAccount # XXXXXXXX XXXX XXXXAccount # XXXX 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 instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit. 
Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXnoticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section XXXX of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Going through the website, I chose to lock my credit report ... which was the only choice. I then ended up signing up for a subscription, $ XXXX month, to monitor my credit and lock/ unlock. At the time of signing up and paying, there was never any indication that this was a subscription, and something in addition to a simple credit lock. I called them back and they would not refund the initial {$20.00}, but they did cancel the service. Also, I was able to put a " freeze '' on my credit later without paying their usual {$10.00} fee. 

The main issue is with their initial page, and not making a distinction between the " lock '' ( paid and $ XXXX month ) and the " freeze '' ( paid, XXXX time, {$10.00} ). It pulls you in to a subscription service and does not explain this from the onset.
Product: Credit reporting or other personal consumer reports

For sometime have requested XXXX to report to the 3 credit bureaus this account not past due in XXXX of 2023. It was paid in full on XX/XX/year> which means before the XXXX of the month. 

I have a letter to this affect. Need them to have the 3 credit bureaus to correct my credit report. I am trying to buy a home for myself and this is blocking it.
Product: Debt collection

In XXXX, the company known as BROCK & SCOTT , PLLC contacted me about an alleged debt that I do not owe in the amount of {$12000.00}. I have No prior or existing relationship with this company and its affiliates and/or assigns known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company and these individuals have obtained my private and confidential non-public personal information without my consent or knowledge and are attempting to defraud me into paying them alleged debts that I do not now nor have never owed to the,. This company and these individuals have no right to contact me or to attempt to collect any alleged debt from me. This company 's and these individuals business practices violate my right to privacy as a consumer and also the Fair Debt Collection Practices Act 15 USC 1692. I have demanded several items as proof of the allegations and claims yet this company and these individuals were unable to provide ANY documentation to support the allegations. I am confused as to how this company was able to obtain my private and confidential non-public personal information without my consent or knowledge since I have never done any business with it.

This company exhibits practices that are non-consistent with the laws that regulate debt collectors in the FDCPA. Since the company is clearly intent on violating my rights and ignoring my demands to Cease communication with me I am making is clear that I want this company to CEASE AND DESIST ALL COMMUNICATION with me IMMEDIATELY. Due to these events and the acts of this company I am emotionally distressed and traumatized due to the violation of my privacy and my rights as a consumer. This company has embarassed me in front of my peers and family in it's attempts to collect this alleged debt not owed to it. The way the last letterhead from this company was written also uses a style used by lawyers and is the company 's attempt to scare me into paying an alleged debt I do not owe by impersonating a lawyer. This company has not provided proof that it even has a right to collect in our state as demanded in previous communication as well. I am demanding that this company Cease it's hostile tactics and its communications with me immediately.
Product: Credit card or prepaid card

Why can't XXXX 's accept a cashier check made out to them from my account at their store? It's legal tender! 
I only got the cashier check after Capital One was unable to process a phone payment although my bank stated I had no problems on their side. Capital One was supposed to do the same XX/XX/XXXX but I guess the same thing happened, but they never told me and it was a time sensitive closing total. Now they are tacking another {$400.00} to my account! I walked the payment into their store after I got a cashier check because I'm not trusting them with cash, but I couldn't pay them because the store is unable to accept this form of payment. Why? Now my cashier check is in the mail. I spent several phone hours, then a bank hour getting the check, then I had to drive to Idaho to XXXX 's, I live in Washington, only to find out they couldn't accept payment. Cashier Checks are legal tender! Why doesn't Capital One accept it? ( fyi, you couldn't pay me to open another Capital One account! I closed this one! ) I wish to file a formal complaint.
Product: Checking or savings account

Tickets that I bought for a concert were cancelled due to covid. The vendor is refusing to issue more than a 50 % refund, despite the concert being in California where this is illegal. Wells Fargo / Visa issued the debit card that I used. WF now reports that Visa changed a policy on XX/XX/XXXX ( tickets were purchased prior to this, but cancelled after ) stating that they will not charge back an " large gatherings '' that are cancelled due to covid. Visa / WF say I should contact the vendor ; vendor is refusing the full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these inaccurate reporting with XXXX, XXXX and Equifax several times to no avail. The following addresses are incorrect and do not belong to me XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I never paid the following accounts late XXXX XXXX XXXX and XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXXXXXX Equifax is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I did not open the XXXX XXXX  account XXXX XXXX  is reporting an open date of XX/XX/XXXX, Equifax is  reporting an open date of XX/XX/XXXX this reporting is not mine, I did not open the XXXX   account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX, XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXXXXXX XXXX XXXX XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX  XXXX XXXX. account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX  account XXXX Equifax is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX Equifax is reporting opened on XX/XX/XXXX this reporting is not mine. I have reached out to the credit bureaus to help me to get this matter resolved. Are XXXX, XXXX and Equifax considered furnishers? These are not my accounts and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report I am big team of identity theft and I did not make the charge. I reported the theft of the federal of my identity to the federal trade comission and I also have enclosed copies of the federal tray, comission identity, theft, affidavit. Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I file a complaint agains citibank for a collection under XXXX agency, according to the citibank representative they said it take 3 months to process the investigation that is already in file with you they never responded back about their findings and conclusion, however XXXX deleted the collection because there were violations against consumer protection act, this were done by law firm in New York, called XXXX they were the one 's pushing XXXX to delete it and they did, however XXXX and XXXX are still showing the collection therefore I am requesting for citibank to delete the collection from XXXX, XXXX and again with XXXX to be sure that they will not processed it again, Citibank fail to respond back to me with the answer since 5 month ago. the complaint is in your records for you to see. there is no documentation to be submitted because it has been provided already I was just waiting for their response about my complaint.
Product: Credit reporting or other personal consumer reports

Paid Account on XX/XX/XXXX Payment was for XXXX $ & XXXX $ Account only credited for XXXX $ not XXXX $ Contacted by Company XXXX CCompany  stated XXXX $ not recieved Company acknowledge issue, Company stated When Account was edited for XXXX $ payment XXXX cancelled out the XXXX $ payment Company updated the payment, Company failed to remove 30 day late which significantly effects my credit score as well as my Co-buyer, Account has never been late, Their lack of understanding is Unacceptable when the acknowledge the account was paid on- Time.
Product: Credit reporting or other personal consumer reports

This letter is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there are still accounts that are reporting as inaccurate and incorrect information. 

Please conduct another investigation to the following information and send me the notification that the disputed accounts has been updated. 

XXXX XXXX XXXX XXXX Balance {$71000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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