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

I've tried to fix these issue that are showing up on my account. I had identity Theft happen which I notified the credit bureaus, the police department, and the creditor as well. I have been trying to get this resolved for over a year in a half.I tried to provide information to the three credit bureaus and I have been unsuccessful. The creditor tried to take me to garnish my wages in which I was successful in court that I am not at fault and creditor did not do the things necessary to communicate this debt was mind. I was found not responsible for any liability of debt when came to repossession on my credit report. The person also tried to open accounts in my name and also default on two credit card. I hope that the copy of the police report, credit affidavit, court documentation, will be enough evidence to release me of these items that are hurting my credit. XXXX refuse to acknowledge the evidence and remove this item off my credit report regarding the repossession. Transunion and XXXX will not remove this collection or inquiry that were also affected by these events
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Violation of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 XXXX XXXX reported 9 separate accounts with late payments to Experian, XXXX, and XXXX. I disputed these accounts with the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX and all disputes came back as 'verified '. I sent a letter to XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX, asking for an investigation of said accounts. By law, they had 30 days to respond to me. To this date, I have received no replies from XXXX XXXX, yet the derogatory accounts are still listed on my reports. 

Please see attached letters that I sent to the credit bureaus and to XXXX XXXX.
Product: Debt collection

The debt collector sued me in circuit court and I filed an appearance and a trial date was set. While I was away the debt collector sent my wife a summons to appear for the same case and when she did not appear - the debt collector asked for and received a default judgement that I successfully got vacated. 

This debt originated from unpaid medical claims by an insurance company and I had to enlist the aid of the Illinois Insurance Commissioner to compel them to pay the claims. This took over a year but the insurance company paid on the claims. The judgement amount the debt collector sought to get from the default judgement did not take into account the payments made by the insurance company even though they were aware of the payments that were made. When asked about the payments the debt collector stated " I have a judgement '' ; however the judge vacated that judgement and the judgement amount was reduced. Has I not sought to have the judgement vacated the debt collector would have sought to collect the entire amount of the judgement knowing that at least half the amount they were seeking had been paid already by the insurance company. 

The debt collector verbally agreed to a payment agreement but sent a form - not filed in the court too late for me to comply with the terms of the agreement. The debt collector then filed the agreement with the court 5 days after the payment was due and then filed a Wage Deduction Notice with the court and sent a copy to an employer that I have contractual relationships with damaging my professional reputation. I am now in the process of disputing the wage attachment, but the damage has been done.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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  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 XXXX  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: Debt collection

11 XXXX said that this debit would be fixed when I turned the I phones in that I had when I was a XXXX customer so I have returned all phones back to them and my name is still in collectors phones was returned on XXXX through XXXX shipping I have a shipping receipt XXXX XXXX and all the inquiries on my report I have not applied only one I applied for was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all others I contact the company and they told me they could not do anything for me to contact credit bureaus and I did but all 3 just like to ruin other peoples lives and names just because they have the power to do so I am asking for some help from you guy please because I havent seen anything happen or changed with my problems thanks help please XXXX
Product: Debt collection

This account is not my account Midland Funds refuse to validate information proving this is my account. They will not validate account and verify the account.
Product: Mortgage

On XX/XX/2021, I received an escrow shortage notice from MyLoanCare which services my mortgage account. The mortgage escrow shortage was for {$1300.00} ( roughly ). I paid the amount via personal check and returned the escrow shortage slip as instructed. The payment took almost three weeks to be received. Moreover when it was received it was NOT applied as an escrow shortage but instead as a regular monthly installment. I called my mortgage serviced and they apologized and advised they would reverse the payment and apply it correctly. The representative confirmed it was an oversight in his end. Today, I look at my account again and they payment had been reversed and applied to escrow ; nonetheless the monthly installment still shows my shortage as not paid and the payment continues to show the amount that would have been due if it was not paid. This is unfair and unethical. They tell you to pay one amount and take your money ; however its sitting in limbo and not applied as advised. This is a UDAAP violation. They are collecting and keeping my funds! They need to take that amount and apply it as they advised they would. My payment should not be {$1200.00} but instead {$1100.00} as promised in the statement.
Product: Vehicle loan or lease

I had to have repair work done with XXXX XXXX. I didn't have the full money for all the repairs. I was able to get financing through Acima Credit. I was approved but nothing was fully explained to me with the paperwork. I didn't know I was signing over rights and other remedies. The car is in my brother 's name and they're threatening to take the car when its still owned by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a result of a fraudulent account of XXXX XXXX XXXX  sent in theft report and Equifax have not removed yet. 
XXXX XXXX is a result of fraudulent account and Equifax have not removed yet. 

XXXX XXXX  is a result of fraudulent account and Equifax have not removed yet. 

XXXX XXXX XXXX  is result of fraudulent account and Equifax have not removed yet. 

Inquiries : XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Incorrect Addresses I provided Id and supporting doc of address and they still wont removed address : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute a collection account that has been reported to my credit file by Collection Agency 's. I believe this action is unlawful and in violation of several consumer protection laws as outlined in the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

1. **Failure to Provide Validation Information** Under 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information regarding the debt in question before any reporting can occur. Despite my request for this information, Collection Agency 's has failed to provide any validation pertaining to the alleged debt, yet they have proceeded to report it to the credit bureaus.

2. **Right to Dispute** I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have made several attempts to reach out for clarification, but these requests have gone unanswered, violating my rights as a consumer seeking to dispute the validity of this account.

3. **Misleading and Deceptive Practices** I firmly believe that Collection Agencys is engaging in false, misleading, and deceptive practices concerning the collection of this account. Under various consumer protection laws, including 12 CFR 1006.34, such practices are strictly prohibited, and I request an investigation into this matter.

4. **Unauthorized Reporting** The collection agency has no lawful authority to furnish information to consumer reporting agencies without adhering to all disclosure requirements mandated by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S1q 2 ( 7 ) ( a ), which state that no reporting can occur without appropriate disclosures. This has caused serious harm to my credit report and overall financial standing.

In light of these violations, I kindly request the Consumer Financial Protection Bureau to investigate this matter. I seek appropriate corrective action to have this collection account removed from my credit report and ensure that Collection Agency 's adheres to legal obligations going forward.

Attached to this letter are relevant documents supporting my dispute, including correspondences with Collection Agency 's and my credit report reflecting the disputed account. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

I have recently looked at my credit report throughTransunion and noticed that I had XXXX hard inquiries that did not contain permissible purpose. I have attached evidence to this complaint. 

XXXX. ( XXXX XXXX XXXXXX/XX/XXXX ) : this inquiry has no permissible to be on my report. Please delete this inquiry due to a violation of 15 USC 1681b. 
XXXX. ( XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ) : this inquiry has no permissible to be on my report. Please delete this inquiry due to a violation of 15 USC 1681b 3. ( XXXX XXXXXXXX XX/XX/XXXX ) : this inquiry has no permissible to be on my report. Please delete this inquiry due to a violation of 15 USC 1681b
Product: Checking or savings account

My Wallet was stolen. They have my driver 's license and SS card and my daughters as well.XXXX  XXXX 2022 a bank account was opened in my name, I received letters from the bank saying they opened one. PNC Bank is the name of the bank. I called them. They told me to file with y'all. I also made a police report.
Product: Credit reporting or other personal consumer reports

An address on my on my credit report with XXXX XXXX as the address is incorrect. I sent in a certified letter to Experian in XX/XX/2023 along with my driver 's license and paycheck. This information is incorrect and Experian is violating my rights by not removing this inaccurate address.
Product: Mortgage

As a first time home owner. I purchased my home XXXX At closing i paid everything i was obligated to pay including insurance premium in full for a year. 
In XX/XX/XXXX my mortgage company American Financial resources ran an escrow analysis in which resulted my mortgage increase from XXXX to XXXX. a {$290.00} increase MONTHLY. after reveiwing the escrow analysis - i found numerous errors in XX/XX/XXXX they paid the wrong insurance comany not even 3 months after i closed on my house, and paid my home owners insurance in FULL at closing. I found they disbursed payment to tax collectors office for sellers owed taxes. Which was not part of my closing agreement. I ended up paying {$4200.00} in taxes in XXXX when my taxes were $ XXXX Yearly. 

REGARDLESS of if tax collectors office was attempting to collect payment it was two different owners, two differnt account numbers- no communication was made to notify me in regards to their request for payment. 

My escrow account was - XXXX due to these errors. 
I feel like ive been taken advantage of and no one wants to be held accoutable this has become my issue and has effected me & my loan in great deal financially. And Mistakes like this shouldnt happen, and could of been avoided, if they were more thorough and rechecked before just sending out someones money. from XXXX to today XX/XX/XXXX no escrow analysis was ever re - run. after numerous phone calls, numerous fax 's. Im truly just disappointed in this entire situation-this should be an exciting time in our life, as first time home owner ( s ), and i feel like its been one of the worst experiences and makes me regret purchasing a home. you trust mortgage companies to disburse your money appropriatley, and dont think errors like this would happen- we are at a loss on how to move forward? legal assistance re-finance?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not notify me of a reinsertion of a XXXX XXXX Account that was an account as a result of identity theft.
Product: Debt collection

I am writing to file a formal complaint against First Credit Services and XXXX XXXX XXXX for their continued harassment regarding an alleged debt that is beyond the statute of limitations and after/ they have been formally notified to cease and desist all communications. 

On XX/XX/year>, I sent a certified cease and desist letter to First Credit Services and XXXX XXXX XXXX, clearly stating that they are to stop all contact with me regarding this matter. Despite this, I have continued to receive phone calls, letters, and other forms of communication from the agency. 

Furthermore, the debt they are attempting to collect is time-barred under the applicable statute of limitations. First Credit Services and XXXX XXXX XXXX are knowingly and willfully attempting to collect on a debt that they are legally barred from pursuing. 

Their continued actions are not only a violation of the Fair Debt Collection Practices Act ( FDCPA ), but they have also caused me considerable stress and XXXX. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against First Credit Services and XXXX XXXX XXXX, for their unlawful and unethical practices.

Also in Georgia, the statute of limitations for filing a lawsuit to collect credit card debt is six years from the date of default. The statute of limitations begins when the account is " charged-off '' due to missed payment, which can be identified on credit card statements. However, the statute of limitations can be extended or renewed by certain actions, such as : making payments, promising to pay the debt, entering a payment agreement, and making a charge using the account. Please find attached copies of the cease and desist letter and any other relevant documentation. I appreciate your immediate attention to this matter and look forward to your response.
Product: Credit card or prepaid card

The limited was closed. Reported on my credit Report as closed paid as of XX/XX/23 when credit was pulled, Not negative reporting see attachment exhibit 1 - then on XX/XX/23 reported as 30 days past due. This was already paid never late. Comenity is at fault and they refuse to correct. I have two their account both paid on time never late, why would they give me other credit cards if I was late? Im so angry and disappointed that someone doesnt take the extra time to look at this and know its a mistake on Co entity part. See attachments my next step is to get an attorney.
Product: Credit card or prepaid card

I had an account with Upgrade that paid money in XXXX. I asked for a refund. The took the money out of the account, but never paid it. I have repeatedly been promised payment for 30 days. All promises no performance
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Utility Bill, drivers License, and Copy my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, drivers License, and Copy my Social Security Number as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

I am disputing the following accounts on my credit report due to inaccurate late payment remarks that must be corrected immediately. These errors are unjustly impacting my credit profile and must be addressed in full compliance with federal law.

Under the Fair Credit Reporting Act ( FCRA ), the credit bureau handling this dispute is legally required to conduct a thorough investigation into these inaccuracies. If an error is identified, the bureau must ensure the immediate correction or update of the late payment remarks to reflect accurate reporting.

I will not accept a generic response stating that an investigation has been completed. I demand a detailed breakdown of every step taken during this process, including : What sources were contacted for verification What documentation was reviewed How the information was confirmed to be accurate A failure to properly investigate or correct these inaccuracies constitutes a violation of the FCRA. I expect full compliance with federal regulations and a timely resolution to this matter. If my legal rights are disregarded, I will have no choice but to escalate this issue further.
Product: Payday loan, title loan, or personal loan

Fist I applied for multiple loans on line. FNB called me on XXXX saying I had been approved for a {$6000.00} loan for 5 years ( unsure ) at {$120.00} monthly payments and would that be beneficial. Yes. She stated because of my poor credit rate I needed insurance to prove I could payback the loan. She wanted {$200.00} on a Visa card. She gave me # to call when I had it. Next day XXXX I called but had the wrong kind of Visa. Wanted XXXX XXXX. Next day XXXX I called back. They wanted pictures of card, packaging and receipt. Sent. Money taken from card that day. No loan received. Refused to let me talk to loan department. Called daily many times and hung up on every call. Today demanded my {$200.00} back. And they continue to hang up on me. 
Please contact for details. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report, and I dont understand why theyre there. I check my report frequently, and this time, these unexpected discrepancies have shown up. I tried refreshing the page, hoping it was a glitch, but the problem remains. Im beyond frustrated and want the documents I sent to be reviewed carefully, so this issue is resolved immediately, and I never have to worry about it again.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I request the immediate blocking and deletion of the accounts and inquiries listed below, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not authorized by me and are the result of fraudulent activity related to the breach. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these entries be blocked from my credit report. Please find the details of the fraudulent accounts and inquiries below : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX