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

I recently filed a complaint in XXXX of XXXX against Ad Astra Recovery Services, about a collection they were improperly reporting in regards to a debt collected from XXXX XXXX. The complaint number is XXXX. They said they would have the account deleted from credit score and it would take 30 days to have the collection deleted. The report is showing that it is still open on all XXXX major credit agencies. And it has caused me unnecessary pain and suffering. Ive had to pay higher premiums and prices for basic necessities just for me and my child to live a basic life. The debt was only {$100.00} but they keep reporting it as {$240.00}. Also if Im reading the report correctly, they just recently reported this account as still being active in the beginning of XXXX of XXXX. I will also be reporting this complaint to the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX years I have sent Equifax my identity thief report, police reports letters from the DOJ prosecuting the victims and me being on the victim panels to help them be prosecuted and still Equifax wont take off the XXXX XXXX XXXX  XXXX the account was due to identity theft and closed due to inactivity because the thieves are in jail and my rights are being violated and the account is reporting paid which is incorrect because it totally different than the creditor was trying to collect. Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. section 605B of the Fair Credit Reporting Act, which requires you to block the. fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Thats not being done when the creditor took it off the other Credit Bureau records but Equifax is willfully violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently seek your assistance in removing the fraudulent inquiries from my credit report. These inquiries were not authorized by me and are causing me significant distress. It is unjust for me to be held accountable for them, as I did not initiate or approve these accounts. I implore you to promptly address this matter.
Product: Debt collection

On XX/XX/XXXX I received a debt collection letter from XXXX XXXX XXXX XXXX. 
I responded sending a certified letter ( # XXXX ) to their company. 

In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe.I do not acknowledge or accept responsibility for the alleged debt. It appears that this account has been charged off. Your company requesting payment on an account that is considered canceled debt, is considered tax fraud. 

I am requiring you provide the following : Original SIGNED contract by both parties, and therefore binding parties. 
Under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 
Payment History Proof of Collection Authorization I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place; OR It has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

You agree to pay all fee schedules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX  ) XXXX Balance {$950.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I was charged GAP and payments were incorrectly applied. I was repeatedly charged fees for late payments because they didn't apply a payment, fees for no insurance and insurance applied and added to my account because they claimed I had no insurance yet I provided proof multiple times. All these issues led to repossession and my credit ruined.
Product: Credit reporting or other personal consumer reports

My banking account was breached and in addition my information has been breach. XXXX XXXX is the only credit bureau service that is reporting in accurate information and I would like to fix they have that I have over five inquiries and all of them are incorrect. I would like to remove. I want the light removed Ify as I have already spoken with XXXXXXXX XXXX they are in the process of removing it. No other credit agency has marked me late. I have never been late and I just noticed that I had a late pay last year in XXXX and based upon my other Credit bills and the law I need for them to remove it because they are in breach of my information and it has been stolen and they have always gotten their payments to us on time. my information was even breached by XXXX upon them merging with XXXX. There are laws. This says they must remove it and I want it done right now. I have excellent credit. I have never been laid on anything nor I have tried to obtain any credit in the last two years, so please have it removed along with the FTC report has been sent,
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I sent a letter to the credit bureaus requesting for them to remove all charge off accounts due to inaccurate, unverifiable information. On XXXX XXXX I received a letter stating that these accounts were verified. However, I sent a method of verification on XXXX XXXX  and received a response that did not indicate their procedural of method of verification. I also demand that they update all accounts to paying as agreed. Due to the fact that these accounts were removed and updated they violate FCRA, they are in violation of the law. 

These violations include but are not limited to : 15 USC 8 15 USC 1605 15 USC 1692 I am very frustrated because these accounts that should have been remove are impacting my life. My credit score has dropped, and I am denied of my rights.
Product: Debt collection

I request to obtain all the information about me in the files of a consumer reporting agency ( XXXX XXXX " file disclosure '' ). You will be required to provide proper identification, which may include XXXX XXXX ID AND signature as a contract shows .if not your subject to law suit ..if you can't provide the proper documents to verify the debt. then it must be removed a person has taken adverse action against you because of information in your credit report ; Account number Seq Fin Svcs Opened XX/XX/2019 {$610.00} Original creditor : XXXX XXXX XXXX Seq Fin Svcs Opened XX/XX/2019 {$4700.00} Original creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 reporting, credit repair services, or other personal consumer reports

XXXX - XXXX  XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Moneylion Inc XXXX XXXX, XXXX XX/XX/XXXX I have contacted this company multiple times with regards to this fraudulent account Moneylion Inc - XXXX, XXXX XX/XX/XXXX I contacted this company and was told no information with regards to my account
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  dated XXXX XXXX $ XXXX.spoke to company to validate debt and no reponse. 
XXXX XXXX XXXXXXXX amount $ XXXX.spoke to company to validate debt
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card

Purchased a couple small items from XXXX. ( XXXX based company ) XXXX. Couple products came and were damaged or missing parts. We were promised by XXXX they would credit us {$80.00} compensate for issues. Never happened. 

Also, In the mean time XXXX charge {$1800.00} charge come through from same company that was fraudulent. Truist Bank said all was delivered and didn't do anything about. So I believed there was 4 transaction on the Truist Credit Card and only 2 were legit and should have been credited back for a portion of those even. {$1800.00} transaction if fraud.
Product: Debt collection

Sent letter saying I owed {$33.00} to dept of treasury fiduciary???, when I called number it said leave a message for reverse mortgage! These people are very good at mail fraud please help
Product: Credit card

Subject : Urgent : Request for Expedited Reopening and Processing of Dispute - Scam and False Advertisement Target RedCard Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mastercard Customer Service Dear Target RedCard Services and Mastercard, I hope this message finds you well. I am writing to bring to your attention a matter of utmost urgency regarding a dispute that requires immediate resolution. I have been a victim of a scam involving the purchase of replica and unauthentic items, accompanied by false advertising.

Details of the dispute are as follow

s : 1. Unauthorized Items and False Advertisement : I recently made a purchase, and upon receipt of the items, it became evident that they were replica and unauthentic, deviating significantly from the description provided in the advertisements. 2. Contact with XXXX Authorities : To address this issue promptly, I have already contacted the XXXX authorities to report the fraudulent activities and seek their assistance in investigating the matter. 

3. Failed Attempts to Resolve with Merchant : Despite my attempts to contact the merchant for a resolution and return of the items, I have received no response. Their lack of communication and refusal to address the issue further necessitate your intervention. 

4. Providing Supporting Evidence : Attached to this email, you will find comprehensive evidence supporting my claim, including photographs of the received items, proof of the advertised item descriptions, and documentation highlighting discrepancies in the invoice numbers and items ordered.

5. Confirmation from Authentic Brands : I have also acquired letters from the authentic brands, XXXX and XXXX, confirming that the items I received are indeed not authentic. These documents further solidify the fraudulent nature of the transaction. 

Considering these circumstances, I kindly request that you urgently reopen and expedite the processing of my dispute. The prompt resolution of this matter is crucial, as I am facing financial repercussions due to the fraudulent transaction. 

Your immediate attention to this issue is highly appreciated, and I am confident that, with the evidence provided, you will be able to facilitate the return of funds to my account without undue delay. 

Thank you for your prompt assistance in this matter. I am available for any additional information or clarification you may require. 

Sincerely, XXXX XXXX
Product: Mortgage

My husband and I purchased our home located in XXXX, AK for {$230000.00} in XXXX with a {$40000.00} down payment with XXXX XXXX. 
My husband left in XXXX of XXXX. Being a single mother of XXXX children made it impossible to pay the mortgage. XXXX XXXX informs me that they will foreclose on XX/XX/XXXX. 
I filed chapter XXXX bankruptcy in XXXX of XXXX in hopes to keep the house until my children graduated high school. The mortgage was sold to Fay Servicing. 
Fay Servicing modified the loan with promises of making payments affordable on my single parent income. The amount owed on the house at the time was {$240000.00}. The modification rose this balance to {$320000.00}, with no explanation on the {$80000.00} increase. To stay in my home, I made the payments. I have be transferred to 10 account managers in the process, all unable to find documents I had sent many times over. 
My husbands passing, XXXX, gave me the ability to collect social security benefits on my children. This income made it possible to pay the $ XXXX   monthly mortgage payment, otherwise unaffordable. Chapter XXXX was paid in full in the year XXXX. I made payments to Fay Servicing through XX/XX/XXXX. I was unable to afford the {$2100.00} payment each month on a income of {$2000.00} per month. Social Security stopped after my childrens graduation and I was forced to leave the home and live with family. Foreclosure was imminent and I gave up the keys. 
Fay Servicing holds the houses worth at over {$320000.00} not allowing me to sell the home at a reasonable price. This house has been on the market for 7 months without an offer. Fay Servicings service has caused my otherwise very strong credit scores to suffer, making me ineligible to finance a residence for myself. 

Fay Servicing only shows up on one of my three credit scores and there is no reasonable cause for my loan modification to increase by XXXX with the money I had already put towards the home. At the time, though suspicious, it seemed this was the only way to stay in my home. 

I would like to know why there was an {$80000.00} increase, my home to be sold at a reasonable rate, and most importantly my credit score to be edited to reflect Fay ServicingXXXX errors, allowing me to purchase a home.
Product: Debt collection

On XX/XX/2020 XXXX XXXX XXXX XXXX, added a derogatory remark to my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, RMP SERVICES LLC has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
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. 

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 an 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.
Product: Student loan

Account Number : XXXX I am in my final third year of the post discharge monitoring period, Nelnet is responsible for sending me the form to complete of documentation of earned income which is due in XX/XX/2021. As of yet, Nelnet has been negligent in sending me this form. Also, as of XX/XX/2021, I verified with XXXX at Nelnet that they have corrected my address to reflect : XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
Why hasn't the form been sent?
Product: Checking or savings account

I submitted a dispute with Chime, which ended up losing. The provisional credit I was provided was used and then without warning then charged it all back making my account negative. I can not stress enough that I do not have money for the next two weeks. I was not aware it was going to be charged and I would have planned accordingly. Now, I lost {$300.00} to a dispute charge I did not do, and I can not even go and get gas to get to work because they took my funds without warning.
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with United Credit and Collections. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Product: Credit reporting, credit repair services, 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 15USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate, But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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. 1681 s-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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

They have injured me by violating multiple federal laws pursuant to the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked all three of my credit reports and noticed I have a large amount of debts from XXXX XXXX. I immediately disputed the accounts on all three credit reports, They we're removed from XXXX and XXXX  all the accounts. Experian, some of the accounts we're removed but not all, according to Experian the accounts are accurate. How? Nothing was sent, no evidence or anything so how was the accounts investigated or proved to be mines. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( reporting twice ) XXXX  XXXX XXXX XX/XX/XXXX These are the accounts that are listed and needs to be removed from my credit report.