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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed a copy of my credit report and noticed several accounts that does not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : JPMCB CARD SERVICES # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX.
Product: Mortgage

I managed to keep up with my mortgage payments just fine. Unfortunately, due to the pandemic and the state 's " Stay at Home Order '' resulted in my business being unable to operate for 3 months. This cause for my mortgage to default and the mortgage company placed on a three month forbearance which was open ended. They failed to advise me that at the end of the 3 months, i would be required to pay back 3 months worth of mortgage payments at once even though i did not earn income throughout the months of XX/XX/2020, XX/XX/2020, XXXX XXXX and a part of XX/XX/2020. 

I was finally able to resume my business and even though it was taking a few weeks to bounce back, my income was slowly coming back to normal. The mortgage company SPS XXXX offered me to pay back all the past due by payment by making triple payments for 3 months to keep my loan from going into foreclosure. I had no choice but to refuse this offer as my income was not back 100 % and i could not afford those payments. 

Now my income is back to what it was before the pandemic and SPS is refusing to review my case for assistance once again. They said and I quote " We already reviewed it once, and we are not obligated to review it again ... '' I have explained to them the change in circumstances since my previous application and yet they refuse to even look at it.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, and I've decided to write this statement. Per 15 USC Code 1681-2 ( a ) ( a ) 1 ( a ) ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my account as they violate my rights as a federally protected consumer. I demand removal of the listed accounts in this report. Additional Unauthorized Hard 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 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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

In an attempt to apply for credit, I was denied and checked my consumer credit report. XXXX was the only reporting agency that had a credit score for me, and also had a late payment showing on my XXXX XXXX account. This is completely incorrect! I checked further and saw there were two companies, XXXX and XXXX XXXX XXXX, both on my report as collection agencies. This is definitely fraudulent because I never opened any kind of account with the, or are in no business contract or obligation. I noticed both XXXX and Experian also have collection accounts for me for XXXX XXXX XXXX and XXXX XXXX, companies that I have no knowledge of nor should they have the right to defame me. I have contacted all three CRAs and there still has been nothing removed.
Product: Debt collection

I just began monitoring my credit report as of XX/XX/. I received an alert on XX/XX/XXXX that a negative mark for XXXX all of a suddenly was put onto my report from midland credit management, then i immediately called to find out. I spoke with a agent and was told to file a police report due to me never owning the account and having no knowledge of it then it would be removed. Ive placed a fraud alert on my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX 'S XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$580.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; 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 reporting or other personal consumer reports

I am a victim of multiple data breaches therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

My Lawyer told me that this is my final demand regarding these accounts. 

These accounts must be removed from my report immediately as they have been completely exposed, compromised, and negatively impacted due to data breaches and exposure to the dark web.
Product: Mortgage

I started paying my own escrow and provided all supporting documents to them in XX/XX/year>. By mistake Roundpoint Mortgage ( RPM ) took out insurance on my behalf without letting me know. while on other hand i had an insurance my own and provide RPM all documents as soon as I took insurance. On top of it, RPM talked to my insurance agent in XXXX and communicated about whatever they wants in terms of documents. 
After the no correspondence from RPM and/or from XXXX. All were going well. 
Suddenly I got an invoice for may on XX/XX/XXXX regarding escrow shortage. I called almost every day tring to find out what was that about. I come to know that Customer service ( CS ) of RPM said that they made mistake and they will revere it once they get money back from their insurance. This is not fair for me to wait for more than 20 days to resolve this issue. They are very irresponsible people and never provided any proper resonance. I am still waiting for them to resolve the issue. i do not appreciate for them to shuffling me between CS of RPM and insurance dept of the RPM. This Mortgage company has so many complains online. Some should take this matter very serious. Please
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 {$170.00} dollars were sent out via my Zelle through the XXXX XXXX XXXXXXXX XXXX. The problem is that it was impossible to recover those lost funds even after contacting them. They told me that it would take months for the investigation for me to just receive an update stating that I was not going to be reimbursed.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent account XXXXXXXX XXXX XXXX  # XXXX that XXXX  from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting connection with acreditor insurance transaction that is not initiated by aconsumer. The FTC report is attached to compliment
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a item on my credit report via mail on XX/XX/2019 to Trans Union and I received a response today indicating it was verified. Yet, I did not receive requested details and clear explanations on how the information was verified as I requested in my dispute letter. In the results it list information was verfied through the court, yet I reached out to the court and they do not release information to credit bureaus. So it is believed the verification results from Trans Union is inaccurate and I requesting the information to be removed from my credit profile asap.
Product: Debt collection

Dear Consumer Financial Protection Bureau Representative, Today, XX/XX/2022, I received an alert from XXXX that Avante reported a negative item regarding an alleged debt. It is my understanding that : Under the Federal Trade Commission Consumer Law, A consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. 

I would like to state I have no clue, who is Avante. I DID NOT receive any notification from Avante prior to the negative credit reporting of the alleged debt. 

My rights have been violated by Avante due to they did not notify me of this alleged debt nor allow me, as the consumer, the opportunity to gain knowledge, investigate, or dispute this item I am unaware of. I am seeking your assistance in immediately having Avante remove the negative reporting from the credit bureaus and discontinue any adverse and negative reporting on this item until the following are provided : I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgement ; 4. Documentation showing you are licensed to collect debts in GA. 

Upon receipt of any of requested information, I request 30 days to respond. Also, please ensure the creditor and the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely,
Product: Debt or credit management

MIDLAND CREDIT MANAGEMENT INC. 

A debt collector has harassed me by calling my phone with various phone numbers and never leaving a message. When I call the number back, the number is " disconnected or no longer in service. '' Also, the most significant offense is that Midland Credit increases the collection due every month. I believe this is entirely illegal, And I would like legal action taken against this " company '' of scammers and criminals. 

I am a XXXX Military Veteran, and I deserve to be treated with respect. 
I've been unemployed many times because of my XXXX injuries. 

Thank You, XXXX
Product: Debt collection

Calls are coming everyday for someone else. Calls during working hours when I can't answer. I was able to answer today and they hung up on me. My wife has called 3 times. First time she was told they were looking for a woman and not me. They marked it as wrong number. The last two were to get them to stop. The last call was today XX/XX/2022 and they got rude and hung up after stating it would stop in 24 hours because she told them if it doesn't stop we will file harassment charges.
Product: Debt collection

This Midland " debt '' stems from a XXXX order back in 2010. I paid my bill with auto pay from my bank and can get those records again ... I sent them to XXXX and Midland to no avail. I have the original order records. The payments were set up by XXXX to come directly out of my bank account at XXXX XXXX. After that period of time was over I contacted to get the last payment and found out that they had taken out {$20.00} every month for 2+ years and then changed my account {$40.00} every month for being late. I never received a notice ... we were paperless ... and XXXX themselves set up the auto payment. I have tried several times to show the truth about this mess. Please help.
Product: Debt collection

In 2013, I was attending XXXX XXXX XXXX - XXXX XXXX, VA to become a XXXX and wound up being XXXX ( non voluntarily ) less than 30 days into my second 4 month period. I had already paid {$2100.00} plus {$100.00} admin fee for this period of instruction. The total cost for the 4 month period was stated to be {$4200.00}. 
XXXX alleges I owe them {$210000.00} for the four month period of instruction, but no services were delivered for this charge since they disenrolled me. Actually, a refund is due to me in the amount of {$640.00} based on a pro-rated tuition. I have submitted XXXX written responses to XXXX and their debt collection services and have never received a response acknowledging my letters and claims. Instead I keep getting threatening calls from their collection services that I owe them money - this has been going on for XXXX years now and I want them to answer my letters, pay me back the money they took from me, and STOP harrassing me.
Product: Credit reporting or other personal consumer reports

I have auto loan hard inquiries by XXXX XXXX via dealer on XX/XX/year> and ALLY financial on XX/XX/year> while I was XXXX after a car crash the month before. Im asking for them to be removed because they are inaccurate and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED LEXISNEXIS OVER A MONTH AGO BECAUSE I ORDERD A COPY OF MY CONSUMER REPORT AND NOTICED IT WAS OVER 20 ADDRESSES ON THE REPORT THAT I NEVER HURD OF AND NEVER LIVED OR BEEN TOO SO I STARTED A DISPUTE AND THEY LEFT THE ADDRESSES ON THE REPORT SAYING IS VERIFED WHICH IS A LIE ONE OF THE ADDRESSES I LOOKED UP WAS A XXXX XXXX THATS HOW I KNOW THEY NEVER DID THEY JOB TO INVESTGATE OR DELETE THEY ALSO HAVE 5 INSURANCE COMPANIES ON MY CONSUMER REPORT ONE OF THE COMPANIES HAD ANOTHER PERSON NAME ON IT NOT EVEN MINE AND THEY SAID ITS VERIFED AND MINE WHICH SHOWS ME THEY NEVER LOOKED INTO IT I CALLED THE SAME COMPANY AND THEY SAID MY NAME NOT ON THE POLICY AND WAS NEVER ON IT THEY DONT UNDERSTAND WHY LEXIS NEXIS IS REPORTING THIS INFORMATION THE OTHER COMAPINES I CALLED THEY DONT HAVE MY LICENSE ON FILE OR MY SIGNATURE OR ANY INFORMATION TO CONFIRM I WAS THE PERSON TO APPLY OR OPEN UP THESE POLICYS, LEXIS NEXIS IS NOT DOING ANYTHING CORRECT ACCORDING TO THE FCRA AND I WILL TAKE THEM TO COURT IF THIS INFORMATION DOES NOT COME OFF
Product: Credit card

I have XXXX credit cards with USAA Bank in XXXX XXXX. They are all Cash Back Cards but they do not tell you on your statements how much you have earned. In addition I asked to receive the cash and they try to get me to get gift cards, etc instead of the cash they owe me. They can not tell me, by card, how much cash I have earned and they try to make you jump through hoops instead of giving you the cash they owe you. I have been trying to get my cash back since XX/XX/XXXX and have been unsuccessful. The credit card dept. says the " rewards dept. '' handles that and the " rewards dept '' says the credit card dept handles that. 4 month and NO CASH. THIS IS JUST PLAIN FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

The credit bureau violated my privacy rights and allowed XXXX XXXX XXXX XXXX to place negative reporting information against me on my credit bureau file that is listed with their company under my identity/social security number without my permission. According to 15 U.S.C. 1681, 15 U.S.C. 1681 i ( a ), 15 U.S.C. 1681 Sec. 602 A and 15 U.S.C. 1681 A Sec. 2, I have the right to privacy and these Federal Laws state that a consumer reporting agency can not furnish any account without my written permission and I have not given this credit bureau permission to furnish this information on my credit report. They have violated my credit reporting rights. And, furthermore, 15 U.S.C. 1681 s - 2 ( A ) ( 1 ) ( f ) states a person should 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, which it is. Therefore, XXXX XXXX XXXX XXXX has also violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft XXXX  report. I have repeatedly tried to communicate with the company about inaccurate information reporting on my file. No communication has ever been received after multiple attempts and no one is helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 previous addresses and 2 employers that are wrong and should be removed, I also have 2 accounts I was never late on as well. I have an account labeld charge off that is not correct. I want to validate 2 different accounts. And one account that says charge off that is incorrect
Product: Debt collection

Portfolio RC This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XX/XX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with TransUnion to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Portfolio RC went unanswered within the specified time frame according to the FACT act ( XX/XX/XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & PORTFOLIO RC with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( PORTFOLIO RC denied that they received anything during a follow up phone call ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress XX/XX/XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report on XXXX and Experian I notice that both companies are reporting not only inaccurate information. They are reporting two different things as well for a previous account that I had with XXXX XXXX. I have disputed this account with both companies previously and nothing has been done. This in fact is a violation of my consumer rights according to the FCRA. As a result I would like for the above mentioned companies to remove this account from my credit report IMMEDIATELY. 


I am really outraged that I have been going back and forth with the credit reporting agencies about this account for sometime. If nothing is done about this I will be forced to take legal actions and will exercise my consumer rights and file a lawsuit