23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I currently have four debts showing in my XXXX Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : Commonweath Financial Systems ( CFSI ) - Balance {$210.00} CFSI has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to XXXX and this continues to be in my credit report. 

Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with CFSI and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with XXXX. XXXX XXXX has also advised that they have reported to XXXX of the same. 

Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as noted above for the previous two CFSI records.
Product: Credit reporting or other personal consumer reports

This account was discharged in XXXX XXXX Order of Discharge that has been furnished multiple times to credit card company and to XXXX, XXXX  and transunion credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 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

As of Late I seem to have a problem with all three Bureaus ( Transunion, XXXX, and XXXX ) I contacted them all numerous of times on the inaccurate information being reported on my credit profile and the information still remains. I wanted to know what was the status on removal of the collection debt ( The XXXX XXXX Account : XXXX # # # # ) This account has inaccurate information across the board from the ( Opening date, Closing date, Last reported date, Name, and address ). This is in violation of 15 U.S.Code 1681i Procedure in case of disputed accuracy all information reported on any credit report should have 100 % accuracy when furnishing data. Also there are three inquiries that are supposed to be removed as well however they are still on TransUnion and is not on XXXX or XXXX. The Inquiry Accounts were XXXX XXXXXXXX : Report Number ( XXXX ), XXXX Report number ( XXXX ), and XXXXXXXX XXXX XXXX Report number ( XXXX ). With that being said this is also a violation of his is in violation of 15 U.S.Code 1681b. This is causing detrimental harm to my credit report, life, living circumstances and according to FDCA 15 U.S. Code 1692k - Civil liability in the case of any action by an individual damage sustain by such person should receive not less than {$1000.00} and no more than {$500000.00} per violation. For my consumer rights being violated I will accept {$2500.00} per violation as compensation for my pain and suffering.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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: Mortgage

My dad has a mortgage with Wells Fargo -- - he has been working with them to get a mortgage loan modification -- - on XX/XX/XXXX he had a XXXX XXXX and was sent to a XXXX hospital. On XX/XX/XXXX we were asked to fax documents to Wells Fargo to help with the loan modification -- - I faxed for him the application, the proof of income and the lease and the hardship letters. He has owned this house since XX/XX/XXXX. I asked if they needed medical documents and they said no. Today, he is in XXXX Hospital in the XXXX -- - I am trying to stop the auction for XX/XX/XXXX. I was being assisted by XXXX XXXX and XXXX XXXX and prior to that by XXXX XXXX. I am his daughter and am authorized to speak to you on the Wells Fargo Mortgage. His name is XXXX XXXX XXXX born XX/XX/XXXX. We are willing to work with them. The property is located at XXXX XXXX XXXX XXXX MA Thanks XXXX XXXX XXXX
Product: Vehicle loan or lease

I have tried to resolve this from XX/XX/17 to the present. XXXX XXXX XXXX said they would pay my final months lease payment because I turned the car in one month early.They checked the car in and there was no damage. I leased a new car from them and 3 months later I get a bill for XXXX from a collection agent. I then started calling Hyundai Motor Finance and the dealership. I have emailed, and sent documentation proving that I am accurate and honest about the sequence of events. After 5 months of fighting with XXXX XXXX XXXX  they gave me XXXX. The entire time I was speaking with Hyundai Motor Finance. I then called them, and put in writing that I would pay the bill, but I wanted this off my credit report. They refuse to correct my credit report. The dealership that represents HMF lied and did not do what they said they were going to do and they damaged my credit. I have 30+ pages of documentation and numerous requests to have HMF remove this from my credit. HMF refuses to acknowlege that they are wrong. HMF has ZERO customer service, and they refuse to accept responsibility for their dealership that represents XXXX. All they want to do is trash my credit.
Product: Mortgage

My home was adjusted as a total loss to XXXX XXXX by XXXX XXXX through the XXXX. The claims checks are sent made out to ourselves and our loan servicer Flagstar Bank. Flagstar bank because my loan servicer after I closed on a refinance agreement with XXXX XXXX in XXXX. Flagstar bank requires that the insurance checks be sent to them where they hold them in escrow and then release on a schedule they see fit based on their own inspections determining that appropriate repairs have been completed on the home. We were required to sign a repair affidavit certifying we would use the funds to repair the home and submit all insurance XXXX paperwork to them to manage our claim. The insurance company has paid out {$220000.00} so far since XX/XX/XXXX and our home was completely gutted and ready for rebuild by XX/XX/XXXX. Flagstar bank however has only released {$40000.00} of these funds so far with another {$30000.00} expected to come by the end of XXXX. We are at a point where if we do not have access to all or most of the funds we will not be able to hire the contractors necessary to finish rebuilding our home. I can not find anything in my loan closing documents that shows I agreed to insurance claims being managed in this way with an escrow account, a long waiting period for release, and inspections done by inspectors hired by the loan servicer. XXXX claims it has federal authority to manage the claim this way, however I can not find any information in my documents that point out that governing statute or federal guideline. I also can not find anything in my loan documents that show I agreed to insurance claim management to be handled in this way. I understand a lender needs to protect its investment but I am concerned this servicer may be making money by holding money in escrow for an unnecccessary amount of time rather than releasing funds to homeowners to get repairs done quickly and efficiently. XXXX has not been able to show me in my documents or with specifics what gives them the ability to manage my claim this way. Thanks for looking into this for me.
Product: Credit reporting or other personal consumer reports

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

There is no legally admissible evidence to verify the accuracy of what Paragon Revenue : Opened : XXXX. XXXX, XXXX  : # XXXX is reporting {$2700.00} on my credit files, and this agency have not validated pursuant to the requirements of the FCRA XXXX I am complaining about the impermissible access of my credit report by XXXX XXXX, in direct violation of the FCRA. I have discovered that the XXXX XXXX fraudulent collections account. I need proof of a wet signature of an application w/ XXXX XXXX and proof this is a credit transaction, along with permissible purpose ; the debt collection agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. XXXX XXXX accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me, if not removed, I will go legal.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiries below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( a ) 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. Please delete the unauthorized inquiries listed below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Equifax. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XXXX Equifax. Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/scrub>XXXX  Equifax.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX. ) XXXX XXXX Account # XXXX Balance : {$2400.00} XXXX. ) XXXXXXXX XXXX XXXX Account # XXXX Balance : {$3600.00} XXXX. ) XXXX XXXX Account # XXXX Balance : {$23000.00} XXXX. ) XXXX XXXX Account # XXXX Balance : {$750.00} XXXX. ) XXXX XXXX XXXX Account # XXXX Balance : {$2000.00}
Product: Credit card or prepaid card

This complaint is regarding my intent to discontinue my XXXX credit card ( XXXX card ). I've been out of the country for a month, which subsequently caused a missed XXXX XXXX card payment. In attempting to use the website, which is very and problematic and difficult. I ultimately had to call the XXXX XXXX-number and make my payments through that number. During the the conversation over the telephone with the credit card employee ( TD Corporation bank credit card ) I attempted to fix my access to my account electronically, with the credit card employee on the phone. None of their fixes would reopen my electronic account. I find the electronic account for XXXX XXXX card very difficult to use, so told the credit card employee I wanted to pay my account in full, which I did and close the account. I then explained her I wanted to close my account, so she transferred me to another bank credit card employee. This female bank employee on the phone wanted to know why wanted to close my account. When I explained it to her, and I must add I was civil and professional, she discontinued the call for no apparent reason. When I tried to call back the same numbers I had just used to contact the credit card company with it appeared my account had been electronically flagged and I was unable to get through to the credit XXXX  card company of TD bank ( recorded voice told me to call back later and discontinued the call ). I feel this business practice is a way to frustrate customers and ultimately thwart the customers ability close their accounts. I have concerns hat this might be a deceiving way to take advantage of customers who aren't persistent.
Product: Credit reporting or other personal consumer reports

XXXX, please conduct an investigation into this account 1ST PROGRESS account XXXX Last payment date is reporting XX/XX/2021 and the payment history reports multiple late payments that I believe are inaccurate.
Product: Debt collection

I call XXXX XXXX directly to cancel my auto policy because I was starting a new auto insurance policy with another company. I seem to have still been billed 2 months after making a call to cancel in XX/XX/2019. So I was charged a total of {$700.00} which includes the remaining amount of the premium. Now in collections with CCS Collections. I reached out directly to XXXX XXXX when I received the email notification and they responded that my account was never canceled but could see where I called but could not pull the call for proof.
Product: Credit reporting 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, Credit Bureaus 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 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 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 XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This serves as an official letter, and I am choosing to opt out of Datax services. I want to opt out permanently of the prescreened list of DataX services.
Product: Credit reporting

I transferred my cable service from XXXX address to another with XXXX XXXX XXXX in XXXX 2015. The sent my old account to a collection agency even though I still have service with them. I have contacted them every week since XXXX to correct the error. I also told the collection agency that I still have an account with XXXX XXXX. I 'm still receiving call and notices from the collection agency and have paid the old account off with XXXX XXXX. I reviewed my credit report and the collection agency is reporting this balance as a collection with their company.
Product: Debt collection

XX/XX/XXXX through XX/XX/XXXX a collection was added to my credit report I did not authorize this company to add anything to my report and I need it removed
Product: Money transfer, virtual currency, or money service

Capital one is holding my direct deposit and I can not access my funds
Product: Debt collection

I'm a week late on my due date, I been paying this debt off cause I closed the account a year ago. I see there is a late fee when I made a payment of {$40.00}, the late fee is {$39.00}! I call their number to get it waived. First lady says she can't. I ask to put a manger on the phone. I wait and then it's just a normal person like her. She lied to me and the next guy told me the same thing telling me that he can't help me out cause the account the is closed. I told them that they lie all the time at this company.They kept transferring me hoping I just would hang up. they been calling me every 30 mins for 6 days straight. but never leave a voice mail. Sometimes i'm sure they are calling from a blocked number as well. This company is a dumpster fire
Product: Credit reporting or other personal consumer reports

After multiple attempts at a fair and accurate report I find myself here submitting yet another complaint to the CFPB regarding XXXX XXXX XXXX, XXXX and Transunions reporting of an alleged debt on my credit file. 

The account has been consistently updated as charged off every month. This perpetual updating of the payment history is highly irregular and misleading. A charged-off account should not include an active payment history, as it falsely manipulates the statute of limitations. 

XXXX XXXX XXXX and the credit bureaus failure to accurately report this account has not only damaged my credit score but has also violated my rights as a consumer. Despite my repeated efforts to resolve this matter directly with XXXX, they have chosen to neglect their responsibility to investigate and correct this error.
Product: Credit card

I have spoken with Apple Card ( Goldman Sachs ) representatives both by text conversation and over the phone on multiple times throughout XXXX, XXXX, and XXXX ( some of the dates : XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ) requesting information about closing my Apple Card account and enrolling it on a " debt management plan '' ( DMP ) with a lower monthly interest rate similar to the plans offering internally by some credit card companies and by non-profit consumer counseling agencies. I was only given information about their " Customer Assistance Program '' and was allowed to enroll in this program a month at a time ( I had to contact them each month ) for about 6 months before they no longer allowed this as an option. Currently, I am not given any options to lower my interest rate and enroll my account on a payment plan to pay off the balance in a fixed amount of time with a lower interest rate. Currently my Apple Card interest rate is 27.24 % and I have a balance of {$3000.00}. Apple Card ( Goldman Sachs ) does not offer a long-term internal payment plan nor does it participate with any non-profit consumer credit counseling ( NPCC ) agencies ( I have spoken to about 8-10 different agencies and they all say that Apple Card does not participate ).
Product: Debt collection

I use to have a XXXX XXXX XXXX bills since XX/XX/XXXX to XX/XX/XXXX, and I had problems paying the XXXX dollar bill owed to XXXX. Since XX/XX/XXXX to current I have used XXXX assistance to pay the remainder balance under a different account holder with me associated with the account, and all the payments from XXXX, XXXX, and my own money since XX/XX/XXXX all the way till XX/XX/XXXX the bills was paid. My home is a protected address with my son, and I had to put a temporary injunction with XXXX XXXX Colorado, and that is XXXX County with XXXX district courts to maintain my residence without losing my electricity, but the one account where I was alone that I paid for faithfully for 7 years since XX/XX/XXXX to XX/XX/XXXX, that XXXX dollar debt was absolved or should have. I wrote complaint letters to XXXX, and they send the bill to other collection agencies where this debt is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report, with the inaccuracies clearly highlighted. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the three major credit bureaus : - Transunion : Last payment Date reported as XXXX XXXX XXXXXXXX : Last payment Date reported as XXXX  - Experian : Last payment Date reported as XX/XX/
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 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
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 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 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.