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

Equifax is still reporting late payment from XX/XX/XXXX and XX/XX/XXXX on my XXXX  XXXX account and have ignored all correspondence regarding this matter from myself and from the creditor. The creditor contacted Equifax in XX/XX/XXXX to remove late payments being reported and unlike the other bureaus, Equifax continues to unlawfully report these. According to FCRA federal law that gives a consumer the right to dispute inaccurate information that appears on your credit report and Equifax needs to comply or a lawsuit would have to be filed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX which you claim my account was charged off $ This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered multiple unauthorized hard inquiries that were made without my consent or permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. Federal law requires that a company must have my explicit written consent before conducting a hard inquiry on my credit file. Since I did not authorize these inquiries, they must be removed immediately. 

The unauthorized inquiries in question include : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 15 U.S.C . 1681i, I have the right to dispute inaccurate or unauthorized information on my credit report and request an investigation. I formally requested verification of my signed authorization for these inquiries, but no legitimate proof has been provided. These companies have failed to comply with federal law and have continued reporting these inquiries despite my dispute. Additionally, under the Fair Debt Collection Practices Ac
t ( FDCPA ) 15 U.S.C. 1692c ( c ), I am demanding that all companies involved cease and desist from further communication regarding these inquiries,
except for written confirmation of their removal. Any further violations may result in legal action.

If these unauthorized inquiries are not removed, I will escalate this complaint to the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and pursue legal action for damages under FCRA 15 U.S.C. 1681n and 1681o, which provide for statutory and punitive damages for willful noncompliance.
Product: Debt collection

I was contacted on XXXX XX/XX/2019 by Portfolio Recovery Associates about a past debt that I have no knowledge of having. The representative mentioned that there was an attempt to deliver paperwork but paperwork delivery was at a different location that my physical home address. Upon requesting further clarification, the representative continued to say how I was refusing to pay the debt. I never refused to pay the debt, I would just like clarification on the debt. I will be delivering a " Cease and Desist Order ''  to the aforementioned party.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

Highpoint Asset INC XXXX is calling me several times daily and harassing me stating I took out payday loans in 2012 and did not pay them. I did not take out payday loans from these people and the ones I did from other companies i repayed a long time ago. I do not know how they obtained my ssn.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Student loan

My University Accounting Service LLC 's ( " UAS '' ) account number is XXXX. 

On, or about, XX/XX/2021, I mailed my loan cancelation form to UAS. Thereafter, I contacted UAS multiple times to ask for an update regarding my cancelation application and was told, " they have not received my application. '' I kept calling back and finally in XXXX, UAS said they received it. All this time, UAS told me, multiple times, to not make payments as it would backdate my account and make it current. I, also, noted on numerous occasions that I was worried my account would be too delinquent and asked for it to process my loan cancelation application promptly. It refused to do, and it stated that it would make notations to the account that it was still processing my loan cancelation application. 

On XX/XX/2021, XXXX emailed me and said that it needed a " certification of employment '' from my previous employer. Not even 24 hours later, it mailed me a notice saying that it was denying my loan cancelation application because it was incomplete ; it had not given me ample time to send in a response to its XX/XX/2021 email. I sent the " certification of employment '' and asked UAS to confirm receipt ; it never did. And so, I called it to check on the status. During this phone call, I was told that it never received it. I, also, was told -- despite asking for, and never receiving, a clear directive as to what it wanted to be included in the " certification of employment '' -- I need to update my letter to included the fact that I was a full-time employee during my tenure at my previous employment. Apparently, UAS was too bothered to look at my previous submissions of employment to show that I was a full-time employee. 

Putting aside my ever growing rage for the incompetence mill that is UAS, I did all of this and it finally sent me a email confirming receipt of my " certification of employment ''. Again, UAS kept telling me that I need not make payments to my loan because it will backdate my account and I should not worry. Well I am really worried, because its lack of action has real word consequences as I am currently delinquent on my payments and it is showing up on my credit report. 

Moreover, on XX/XX/2021, I received a letter from the loan provider and my XXXX matter, University XXXX XXXX XXXX ( " XXXX '' ). In the letter XXXX, threatens that if I do not bring my account current that it will take negative actions against me. I worry that, even though I am doing what I am supposed to be doing, UAS is going to cause my account to be charged off and XXXX is going to take legal action to collect on this loan.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account XXXX : XXXX
Product: Mortgage

Mr Cooper has done nothing but lie and deliberately hold paper work that I was supposed to be sent and turned me down for hardship over 2 years ago they've raised my payments and over charged me talked to people not in the account I've got nothing from them in over 2 years XX/XX/XXXX and it said they had made a mistake I've asked numerous times why I'm not getting my statements from them then sat I got for closure papers ther crooks
Product: Mortgage

My name is XXXX XXXX XXXX, I live at XXXX XXXX XXXX XXXX in XXXX Texas, XXXX. Your company recently purchased my loan from XXXX ( Loan number XXXX ). I just got my first statement from you and there are a couple issues with it. So I called to get it straightened out with no success. So you are getting this email. 
I called at XXXX central time and spoke with a woman named XXXX I believe. I explained that my loan was an Equity line of credit and not a full loan and my statement had an Escrow payment. We pay the taxes our self on the house every year and pay the insurance ourselves monthly so there is nothing about our loan that qualifies as an Escrow item. The Escrow balance is - {$170.00}. I was told there was not answer for what this was and I just had to pay it. This is unacceptable Illegal and I will not stand for it. 
Secondly there is a {$31.00} fee on my statement, when I asked about this fee, I was told its a property inspection fee. No inspection has been done. Now one from your company or no one saying they represent you have come onto my property to ask to inspect the property. If this inspection was down I DEMAND to see it and the photographs that were taken. I want to know who gave them permission to access to my property. If no inspection has taken place then why am I being charged? If an inspection took place without my knowledge or consent that is trespassing and in Texas is not a very smart thing to do.
Product: Checking or savings account

On XXXX XXXX I was charged by the company XXXX XXXX in the amount of {$320.00} through my bank Current. I did not authorize this transaction and my card was fraudulently used. I did not come back into XXXX until XX/XX/XXXX and that is when I noticed my statement. I tried to reach out to the company but it was not able to get in touch with anyone. I reached out to my bank and they said they would investigate, however there was no proper investigation and they denied me. I am out over {$300.00} and the bank is refusing to return my money. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account open on XXXX for {$740.00} XXXX XXXX Account opened on XX/XX/2022 amount XXXX Action taking by me I dispute these fraudulent accounts with both Equifax, and XXXX consumers reporting agency. I am a victim of Equifax and XXXX data breach. I am promised accuracy on my consumer credit report by federal law. I disputed these accounts listed above with them both over the phone and online. Now Im reporting it to the cfpb as another attempt to have these errors corrected on my consumer reports under 15 USC 1681. All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you remove it
Product: Credit reporting or other personal consumer reports

Dear XXXX, Equifax, and XXXX Re : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 
I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : XXXX All XXXX bureaus have status as late 60 days. 
XXXX last date of payment as XX/XX/22 but also has on the payment history as 30 days late for that month. 
XXXX and XXXX both have the last payment date as XX/XX/22. 
Please update to pays on time every time and remove derogatory info from my report for this account. 
After doing so please provide me with an updated credit report reflecting the changes. 
Thank you for your time,
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 reported in MONTHS REPORTING LATE to be removed 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.

This company 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!

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX, and Knight Adjustment Bureaus # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed immediately.
Product: Checking or savings account

My account has been restricted from buying and selling activities for approximately XXXX weeks now. Despite multiple attempts to contact support and submitting the required proof of identity, the issue remains unresolved. 

I would like to highlight that transactions were made on my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, involving a total amount of {$7200.00}. Since then, I have been unable to access these funds due to the restriction. 

I urgently request your assistance to resolve this matter, as it is impacting my financial activities and access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracy reported by credit reporting agency which asked to correct Paid as agreed no lates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF EDXXXX XXXX XXXXDEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ive filed an FDIC and States Attorney generals office complaint against Revolut and your fraudulent bank practices violating depositing under regulation E laws and guidelines. You limited my account after clearly receiving and accepting my IRS tax refund from the IRS, only to suspend my account for review within 39 minutes. Intent to sue letter will be faxed to NY office by the morning. I even uploaded my tax refund transcript which is XXXX ludacris to do and also illegal
Product: Vehicle loan or lease

Its not the rates its the principal payed and extra amounts payed or over payed are not going to principal. I dont mind the interest its the extra payment is not going towards pricipal
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Erin Capital Managment attemted to collect on a 15 year old judgment that I have no knowlege of on XX/XX/XXXX, my son bank acount was over drawn, so when we called the bank we were told that his account was levied due to the joint holder received a levy to be place on account for dept, so Iam angry upset he upset because I had no knowledge of this judgment never heard of Erin Managment, never reived any mail from them and I have been living here for over 20 years and never got mail from them. I have updated credit reports look through old credit report and still coudnt find any information reagrding this Judgment, so I was given a phone number from the bank to contack the superior court officer. I called the officer he told me this was a judment from 2003, gave me the number to contact Erin Capital Mangment so I tried to the phone number was suspended so im getting morre angry because what kind of business phone is suspended.I called the officer back and informed him that the phone number is suspended he paused and said let me try so he did and got the same message I gotten, so told me to call the court house and speak with XXXX the court clerk, and gave me a Dc number. I hung up mad angry. Before I called the court house I tried to look up the judgment on line searched and searched nothing comes up. next I contacted the court house gave her the DC number she put in system she couldnt locate who the original credirtor was, she said its to old to find and told me the same information regarding Erin Capital Managment brought this old dept and gave me the phone number I called same thing suspended, like no information no court no nothing just pay the amount they say I owe from 2003. no way is this legal. I have contact my lawyer and will be sueing them as well.
Product: Debt collection

I was in a automobile accident in XX/XX/2013, in a company car and it wasn't my fault the insurance of the other motorist was to pay this bill after it was determine that it wasn't my fault but the hospital after over 5 years still trying to collect this debt from me, this is not mine debt to pay and the statue of limitations in California is 4 years, this needs to be remove of my credit report immediately, also it shows on my wife credit report and she wasn't even in the car at the time of the accident. Company name is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a false negative item reporting on my credit report on all three credit bureaus. I've contacted the creditor, and they have confirmed it's a mistake and should be deleted. I disputed the incorrect info and the 3 credit bureaus all came back saying it was verified with the creditor. I have asked for the method of verification and they have all 3 ignored me. 
I have confirmed, in writing, from the creditor that they NEVER received any verification request from any of the bureaus. This is illegal and this has absolutely affected my livelihood by tarnishing my credit for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX