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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX. Please correct and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Equifax states the information is verified by XXXX. XXXX states otherwise, they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' If Equifax is using unverified public records from XXXX they are violating this act and my right as a consumer. Attached is XXXX report stating they do not contain the information Equifax is stating they provided.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance in updating my personal information with Experian, one of the three major credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date. 
Below is my correct personal information : Name : XXXX XXXX Birthday : XX/XX/year> Phone Number : ( XXXX ) XXXX Current Employer : XXXX XXXX Functional XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX I have already attempted to update this information directly with Experian but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.
Product: Debt collection

Accounts Receivable, Inc is a collections agency in XXXX, XXXX plaintiff is XXXX XXXX XXXX XXXX XXXX send me a court order to garnish my money but is over the statute of limitations dated XX/XX/2013. I paid the XXXX XXXX XXXX to help me regarding the lawsuit. 

I believe I paid for every credit card that I have but they said no. They are trying to look for the proof of payment that I paid the company. 

I live in XXXX  state and the statute of limitation is 6 years. Why now?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Date : XXXX National Credit XXXX  XXXX XXXX XXXX XXXX XXXX, KS XXXX RE : Debt Validation Request for Account # XXXX Original Creditor : XXXX Dear National Credit Adjust, I am writing to formally dispute the alleged debt associated with account number XXXX, which you claim is owed to National Credit Adjust. I do not recognize this debt, and therefore, I am requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide all the necessary information to validate this debt, including : XXXX. Proof of the Debt A detailed itemization of the debt amount of {$940.00}, showing how it was calculated, including any interest, fees, or other charges that have been applied. 
XXXX. Proof of Ownership and Assignment Since you are not the original creditor, I request documentation proving that you have been legally assigned this debt. This must include : o A copy of the contract between XXXX and National Credit XXXX demonstrating that the account has been legally transferred or assigned to your agency. 
o Full documentation showing the chain of custody or assignment of this debt, from the original creditor to you. 
XXXX. Proof of Standing I request a copy of the original agreement or contract with XXXX that I allegedly signed, showing that I am legally obligated to repay this debt. Additionally, please include the date of the last payment made on this account. 
XXXX. Cease Communication via Phone Please cease all phone communications with me immediately. Under the FDCPA, 15 U.S.C. 1692c ( c ), I request that any future communications be made only in writing to the address listed above. 
Until this matter is resolved, I also request that you refrain from reporting this account to any credit reporting agencies. If you have already reported it, I expect this information to be removed immediately until the debt has been validated. 
Failure to provide sufficient and verifiable documentation to prove the legitimacy of this debt within 30 days of receiving this letter will result in further actions, including, but not limited to, filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states attorney generals office. If the debt can not be validated, I will demand its permanent removal from my credit report and reserve the right to pursue legal action for any violations of the FDCPA or Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

The company keeps calling my phone looking for my husband. I don't owe the debt and this is not his phone!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting inaccurate data on my credit report, and will not fix the errors. 

See below. 

I am disputing XXXX XXXX XXXX XXXX reporting on my credit report. See below and attached documents. 
Payments made were 45 months not 42. ( late payments were still paid ) Total Payments = {$12000.00} not {$8100.00} My payments were {$280.00} a month. {$280.00} X 45 = {$12000.00}. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have been denied the right to request validation of the debt. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows delinquent payments for XXXX, XXXX, XXXX, XXXX. 

I have spoken to them repeatedly to provide proof I was late. They do not respond. 

I need XXXX XXXX to prove I was delinquent on these payments.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XX/XX/XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I am writing to dispute the information reported by Navy Federal Credit Union regarding my closed credit card account. While I do not dispute the ownership of this account, I assert that it must be removed from my credit reports due to significant inconsistencies in reporting, which violate my rights under the Fair Credit Reporting Act ( FCRA ). 
The account in question has been reported differently across all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Specifically, the following information is inconsistent : Open date Close date Date of last payment Date of last activity High balance These discrepancies indicate a failure to maintain accurate and consistent records as required by law. The FCRA mandates that information reported to credit bureaus must be accurate, complete, and verifiable. The inconsistencies across reports demonstrate a clear violation of these requirements. 
Furthermore, these inaccuracies violate the Fair Debt Collection Practices Act ( FDCPA ) if any attempt to collect on this debt has occurred, as the inconsistent information could be considered false or misleading.
Product: Debt collection

By there own statement they have met there requirements for verification of collections within FDCPA guidelines. It's been over 5 years since I ask for verification of debt.
Product: Mortgage

My Mortgage servicing company has repeatedly ( for years ) misapply my escrow payment. On XX/XX/XXXX I sent an electronic transfer in the amount of {$3400.00} to cover my escrow shortage. By paying the escrow shortage my monthly noted should be {$140000.00}. If I didn't pay the shortage my note would increase to {$1700.00}. LoanCare processed it on XX/XX/XXXX as 2 different transactions : the 1st in the amount of XXXX and another in the amount of {$1700.00}. Because these funds were not properly disbursed to the escrow account my monthly mortgage payment increased to {$1700.00} instead of the correct amount of {$1400.00}. 

On or about XX/XX/XXXX I contacted LoanCare regarding an error in my escrow account and payment resulting in an incorrect increase in my monthly mortgage payment. After approximately an hour on the phone I was assured everything was taken care of and my account was up to date. 

On XX/XX/XXXX, I opened my statement to find that the error had not been corrected. Again I phoned the customer service dept and spoke with XXXX who quickly and wisely transferred me to the " Escalation Dept '' when I was rudely assisted by operator XXXX ( XXXX? XXXX? ). He informed me that I was wrong. My account was not up to date and I owed some outrageous amount of money. I asked to speak to his supervisor and he informed me that there was no one higher who could help me. Eventually, after a heated conversation he agreed to forward my case for further investigation. At this point I called XXXX XXXX XXXX, EVP, Client Relations and left a voicemail and contacted XXXX XXXX. 
At XXXX XXXX 's request, I was contacted by XXXX XXXX XXXX on XX/XX/XXXX. Have several hours I was informed that the " error '' had been corrected. 

Unfortunately, the error appearently has not been correct as I received a FedEx on XXXX, XXXX requesting me to " act now to prevent foreclosure '' ( this is paraphrased ). 
I called XXXX XXXX immediately and have left a total of XXXX voicemails, XXXX voicemail for XXXX XXXX and an email to both. To date neither have replied. 

I have spent hours on the phone with LoanCare trying to correct their accounting error only to be treated rudely and as if I was at fault. If this had been the XXXX time I had this experience with LoanCare I would be more forgiving. However, over the past several years this same issue has resulted in numerous hours of my time being wasted correcting their accounting errors. 

During the COVID crisis, I was originally denied forbearance because I was " delinquent '' on my account prior to the COVID crisis. Of course, this was not correct, it was a direct result of their accounting errors. I have never been delinquent on my mortgage. I pay religiously every month as a matter of fact, I pay additional funds every month. 

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

Transunion is reporting 18 negative accounts from XXXX XXXXXXXX XXXX from XXXX. Those arent being reported on XXXX or XXXX. 
XXXX XXXX XXXX  was closed down and all my loans were consolidated to XXXX. I cant even contact anyone through XXXX XXXX XXXX about this because it no longer exists. 
All the accounts are closed and at XXXX XXXX
Product: Debt collection

XXXX / XXXX / {$82.00} XXXX / XXXX / {$1300.00} XXXX XXXX XXXX  / XXXX / {$1000.00} XXXX XXXX XXXX / XXXX / {$1400.00} XXXX / XXXX / {$330.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX XXXX
Product: Debt collection

ACCT # : XXXX ORIGINAL CREDITOR : XXXX ACCOUNT STOPPED BY ERC AND SOLD TO XXXX. ACCOUNT HAS SINCE BEEN PAID OFF IN FULL BUT ERC HAS NOT REPORTED AN UPDATE TO CREDIT BUREAUS SINCE XXXX OF 2015. ATTEMPTED TO CONTACT THEM USING ALL PUBLICLY AVAILABLE CONTACT INFORMATION TO NO AVAIL.
Product: Credit reporting or other personal consumer reports

I have been dealing with this issue since XXXX of XXXX XXXX reported a card that I never took out or had the ability to use to my credit report at first i didnt notice because there was no damage done to my report from having all the way up until XXXX when whoever opened this account stopped making payments I had no need to check my report consistently as I wasn't taking on to much debt during this time, however when the negative payments started affecting my credit and ability to take out new loans to my surprise I noticed the XXXX card reporting delinquency this account has significantly affected my credit score since then and I have been actively trying to dispute this account directly with Chase with no luck I never took out this debt or accepted responsibilty for this act and do not feel i can be legally obligated to pay this debt with reasonable doubt as to the legitimacy of this account the most recent balance reporting is {$110000.00}
Product: Credit reporting

To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. A Transunion credit report investigation is being requested at this time. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Started with payday loan where you could pay minimum each month and part of payment was applied to fees/interest and the rest to the principal. 
Cashnet USA notified me they had a new program of a Line of Credit " LOC So I signed up for it approx XXXX or XX/XX/2019 with a initial amount of {$600.00}. 
On XX/XX/2019, Cashnet automatically withdrew their " minimum '' payment of XXXX and applied it to the loan. Upon checking days later, I saw they did not apply any of that amount to principal all just in fees and interest and now have raised the minimum by almost {$100.00} dollars to {$210.00}. 
Also of note, I did not see until they sent me the " statement '' days later they had set their " interest '' on the loan at {$130.00}. So the obvious can be seen that they make sure the hidden interest is above the minimum payment so they can take all of your payment without applying any to principal and you never pay the loan off just get deeper in debt until you can't pay it off and then having received a large amount of funds from you they can sue and get an even larger amount with attorney 's fees. 
I am a paralegal and notary and have seen this type of onerous usury before. I know they must apply at least a minimum to principal and nowhere on their site did they inform the customer that your payment to XXXX " minimum payment '' will not be applied to any principal. 
I contacted them and they simply offered no explanation or assistance. 
They called me and the " base level '' customer service clerk just rattled on and on and asked me if I understand. I told them I basically heard what they said. They made no effort to adjust their policy and did not apply any of the first payment to principal. They also said they are charging interest on a daily basis. 
They also do not provide you notice of what your payment pays before they withdraw it from the bank so you do not know what you owe until after they take money. And after that, you still don't know what you owe, where it will be placed. They said that first payment was {$90.00} for fees but never said WHAT fees. When you asked them questions, they just rattle a plethora of numbers with no meaning but never change a thing. 
This is a financial black whole. I will continue to file complaints until this company acts financially responsible. I WILL ALSO NEVER USE AND WILL ENCOURAGE everyone I know to never use CashNet USA 's products because they are financially irresponsible and their avarice is unacceptible in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroneous accounts being reported on my XXXX XXXX because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX, AMERICAN XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XXXX, XXXX XXXX BANK XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance $ XXXX Late Date XXXX, BANK OF XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .... Date Opened XX/XX/XXXX XXXX $ XXXX XXXX Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not connected to any credit company or any of its kind. I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 4 . The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX