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

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Equifax and XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Product: Credit reporting or other personal consumer reports

Two accounts reporting late payment histories. Both accounts are over XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that Experian is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Experian about the theft of my Individuality and that the items were never mine, Experian never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer it has come to my attention that your office ( XXXX, XXXX and Equifax ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). The information that has been reported on my credit report is inaccurate and is a result of fraud. This inaccurate information is causing significant harm to my credit score, and is preventing me from obtaining credit and loans at favorable rates. I am requesting that this information be removed from my credit report as soon as possible. I have previously disputed this information with the credit reporting agencies last year, but they have refused to act on this matter. I have since pulled another report with them this year, and the inaccurate information is still being unjustly reported under the law. Despite my repeated attempts to get this issue resolved, the credit reporting agencies have failed to provide me with any contract that bears my wet signature as required by federal law. I am requesting that the following information be removed from my credit report as soon as possible. 

XXXX : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX  # XXXX, Date Opened XX/XX/XXXX, In the amount of {$3900.00}. 
XXXX XXXXXXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$140.00} XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2100.00}. 

XXXX : XXXX XXXX  # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2700.00}. 
XXXX XXXX XXXX # XXXX, XX/XX/XXXX, In the amount of {$140.00} XXXX # XXXX, Date Opened, XX/XX/XXXX, In the amount of {$2100.00}. 
Unauthorized Hard Inquiries : XXXXXXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX Equifax : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX # XXXX, Date Opened XX/XX/XXXX, In the amoint of {$0.00}. 
XXXXXXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX In the amount of {$3900.00}.
Product: Debt collection

Back in XXXX, I moved out of my apartment in XXXX XXXX after I purchased a house in XXXX. My brother told me that he mailed the the cable back to XXXX but XXXX never received it. I went away on XXXX XXXX over see and when I can back in XX/XX/XXXX, I found the cable box in my possession. 

I called XXXX and told them about it, they reached out to me and gave me a mailing label ( UPS Tracking # : XXXX ) to sent it back. I checked the tracking number and it no longer registers since it's been so long. I promptly returned it and I received an email confirmation from them that they received it. 

I called back because I saw it was still showing up on my credit report from Transworld systems inc. I reached out to Transworld to removed it, they refused ; the rep told me in affect that, she doesn't care if I returned the box back to XXXX, I still have to pay them to remove it from my credit report. I'm at lost as to what I need to do. I don't want to be bullied into paying for something I no longer owned
Product: Mortgage

We sold our house in XX/XX/2022 ( 13 months ago ) and have been fighting with Santander bank to get back our escrow money. Every month they need a new form completed or something else done to supposedly mail us the refund of our escrow. They have an excuse every month why they didn't us our money. The mortgage was paid in full - there is no reason to hold our money for over a year.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately 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

Im writing to formally dispute several accounts listed on my credit report that are completely unknown to me. These accounts do not belong to me, and I have no knowledge of them whatsoever. Ive never opened or authorized any transactions with the companies associated with these accounts, and I believe this is a case of mixed data or an error.
Product: Mortgage

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX Stop foreclosure process on our home immediately. 
1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX  * ACCOUNT XXXX
Product: Checking or savings account

On XX/XX/year>, my funds from my employer wasn't deposited into my Capital One checking account due to technical issues that the bank was experiencing. My vehicle note is withdrawal bi-weekly through XXXX at the amount of {$300.00}, on XX/XX/year>, my vehicle payment could not be withdraw due to the issue that Capital One Bank experienced causing a late payment to reflect towards me. I received an email from Capital One Bank on XX/XX/year> that advised me to call if I experienced a late payment due to the incident, I called Capital One Bank today and spoke to XXXX, identification number is XXXX, on a recorded line he stated that it was the bank 's fault.
Product: Credit reporting or other personal consumer reports

I have XXXX and XXXX accounts that show me FICO credit scores. 

My XXXX Monthly FICO Score based on Equifax data is XXXX as on XX/XX/2024 XXXX shows it XXXX as on XX/XX/2024 again the same FICO score based on Equifax data. 

How can FICO Scores from the same agency be so different?
Product: Credit reporting or other personal consumer reports

Hello, I do not recognize the hard inquire that DISCOVER FINANCIAL SER Company made on my XXXX credit bureau on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX offered that we can cancel the policy at XXXX cost when I bought the policy on XX/XX/. I paid them in full. I called the XXXX XXXX customer service about cancelling the policy. They hold some of the money and refunded the amount. I make sure that My balance was showing nothing. I have relocated and I did not receive any credit collections by that time. On one day I received the collections letter from CSS. So, I filed a complaint with CFPB on XXXX  because in was unaware of this. Complaint number XXXX XXXX XXXX, and Credit Collections XXXX had responded back on XXXX that they would put the account on hold for till I receive the documents. I have conversations with XXXX XXXX  about the Policy. XXXX XXXX claimed it was not there on their systems. Finally, they were able to Get the Information and I received mail on XX/XX/ with updated address on the cover and little folded paper of XXXX XXXX folded inside. The Date and address on the XXXX XXXX copy are different. I was not comfortable with their threatening calls. and they were wasting my time. XXXX XXXX and CSS agreed to Remove this collection if I pay it. I did not want to move forward and paid it off on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX On XX/XX/XXXX, I received a letter in the mail concerning the unauthorized inquiries on my account. You stated that they all were factual. If they were factual and you did the proper investigation can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. I expect to get this information by not later than 15 days. Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Trans Union LLC Consumer Dispute Center XXXX. XXXX # XXXX XXXX, XXXX XXXX To whom it may concern : Your company has been listing these items inaccuracy, no name of creditor, no contact information, this is inaccurate reporting. 
Also did not responded to a CFPB complaint with in the time the FCRA provide. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification COLLECTION XXXX UNVRIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX not my address XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, LA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency, Experian, has furnished my consumer report without my authorization. And gained monetary benefit by selling my information to another consumer reporting Agency. This happened on XXXX XXXX. I attempted to contact experian multiple times concerning the issue and they keep telling me I have to take it up with XXXX  XXXX XXXX. Even though I never gave Experian Permission to furnish my report. I called XXXX  XXXX XXXX, and told them the same thing, I never gave you written consent to furnish my report. This same process has occurred with XXXX XXXX, on XXXX XXXX. Ive contacted both parties and still no resolution to this matter. Experian keeps telling me I have to contact the other party for them to delete it. And XXXX  XXXX XXXX XXXX XXXX XXXX tell me the same about Experian. It seems like they dont want to own up to violating my consumer right to privacy.
Product: Debt collection

My information was given to you which is a direct violation of my rights under 15 USC 1692 are you familiar with that law? I never signed a contract with you guys therefore you should not have my information. You are also reporting inaccurate information due to i have not signed any contract with you. I would also like to enable a cease and desist so that you do not attempt to contact me again via phone mail or email. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

SCRATCHPAY HAS NOT UPDATED AL 3 BUREAUS ON A PAID LOAN
Product: Debt collection

Called credit acceptance XX/XX/2018 trying to inquire about a debt on my XXXX, XXXX and XXXX credit reports. The company instructed me to contact XXXX XXXX XXXX XXXX the attorney office could not find my name or social security number in any of their systems.
Product: Mortgage

Our primary mortgage holder, First Republic Bank did not escrow our property taxes, they were our responsibility to pay. In XX/XX/XXXX, our property taxes were in arrears and First Republic paid the taxes that were due plus all current property taxes that were due. Now they decided to collect escrow for future taxes and also they wanted to be paid back within a year for the taxes they paid that were in arrears. Our mortgage payment went from {$1400.00} per month to {$3400.00} per month. Starting XX/XX/XXXX, the new amount was due and I paid XXXX, XXXX, XXXX and XXXX. After the XXXX payment I contacted the bank and to notify them of our situation. I stated that the new payment amount was unaffordable for us. I requested to have First Republic Bank modify the loan to make it more affordable for us, and their proposal dated XX/XX/XXXX was to collect interest only from XX/XX/XXXX and to list our home for sale on XX/XX/XXXX and all proceeds must be paid back by XX/XX/XXXX and the house should be sold by then as well. We declined this proposal and continued to ask for a more affordable approach to keep our home. We feel that First Republic Bank did not look at our situation after we submitted our income and expenses again with an accurate picture as to what we could afford. Their solution was to have us resume the new monthly payment of {$3400.00}, which we still can not afford. The Manager of Special Assets, in a phone conversation with myself stated that we can not afford our home, so we should sell it. After much back and forth, First Republic Bank is refusing, we feel, to make any attempt to give us an opportunity to remedy our situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXXXXXX XXXX XXXXXXXX Balance : {$80.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Debt collection

XX/XX/year> I.C.Systems, Inc. 
XXXX XXXX, MN XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear I.C.Systems, Inc., I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records. 
3. Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX. 
Account Number XXXX
Product: Credit reporting or other personal consumer reports

I have submitted various complaints and request for deletion of various accounts on my credit profile as well as updated information and they have failed to complete the accurate reporting on my profile.
Product: Credit reporting or other personal consumer reports

they dont have the written consent to put this on my report per federal law 15USC 1681N
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter requesting that my file be removed from the consumers affairs department. I was informed by the consumer affairs department that the reason I'm in that department is due to an issue that occurred in XXXX. Due to the timing and the fact that it has been long been resolved.
Product: Debt collection

Complaint Summary Issue : Unjustified charges and failure to validate debt by Columbia Debt Recovery LLC related to a lease at XXXX XXXX. 

Key Details : Lease Termination Notice : On XX/XX/XXXX, I gave XXXX XXXX a 60-day written notice informing them of my intent to terminate the lease early due to financial constraints during COVID-19.

Vacate Date and Payments : I vacated the apartment in XX/XX/XXXX, in compliance with the 60-day notice period.

Rent payments were made for XX/XX/XXXX, totaling {$1800.00} Dispute with Collection Agency : On XX/XX/XXXX, Columbia Debt Recovery LLC sent a notice claiming I owed {$11000.00} in charges, including {$73.00} in interest.

I requested validation of this debt on XX/XX/XXXX, but their response only included an unsigned early termination agreement and incomplete accounting.

Errors and Unjustified Charges : The alleged debt includes charges beyond XX/XX/XXXX, despite my compliance with lease terms.

The landlord did not provide evidence of attempts to re-rent the apartment to mitigate damages.

Actions Taken by Me : I sent a debt validation request to Columbia Debt Recovery LLC on XX/XX/XXXX. 
I filed a dispute with credit reporting agencies ( XXXX, XXXX, XXXX ). 

Actions Taken by the Company : Sent incomplete debt validation documentation.

Continued to report the alleged debt to credit bureaus without proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conserve has indicated they are in compliance with the Fair Credit and Reporting Act, when they are actually out of compliance. Upon receipt of the debt notification from Conserve, a debt validation and dispute request was submitted on XX/XX/2018. Conserve failed to respond to the certified mail request ( USPS tracking number # XXXX  ) within the 30 day response time mandated by the Fair Credit and Reporting Act. Due, to lack of response mandated by the FCRA, Conserve is not reporting accurate information as mandated in their letter. Therefore, Conserve 's solution to simply report this account as paid, is in fact a violation of the law. If Conserve continues to remain out of compliance, for reporting inaccurate information on my credit report, I will pursue further legal action. I am hoping to have this resolved and deleted from my credit report within the next 30 days.