23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Attempting to collect on a debt that is not mine. Agency is posting negative information on my credit reports. Disputes with the credit bureaus have not resolved, as the collection agency indicates, to them, that it is a valid account. Contacted the collection agency requesting a copy of the application, the promissory note, and proof of original payment to me ; so far they have ignored me. Collection agency purchased the account from XXXX, another collection agency. Before the negative comments on my credit reports, I 'd never heard of any of these loan sharks.
Product: Debt collection

[ See ATTACHED Credit Item from my Credit Report ] ... This month, XX/XX/XXXX, a Collection Account for {$1300.00} from Southwest Recovery Services was placed on my Credit Reports ; Collection Account # XXXX, with a opened date of XX/XX/XXXX. The ORIGINAL CREDITOR shows as XXXX XXXX XXXX XXXX. I have NO KNOWLEDGE of ever doing ANY business dealings with XXXX XXXX XXXX XXXX. Additionally, I have NEVER received any WRITTEN DEBT VALIDATION from the Original Credit or the Collection Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have made several attempts to the 3 credit reporting agencies along with XXXX XXXX XXXX to notify them that I have been a victim of identity theft by my ex-husband. They continue to claim that the information has been verified. How can it be verified if I have enclosed my Identity Theft Report. and my consumer report is still not accurate. For that reason I have been unable to refinance on my home per the Final Judgement of the Dissolution of Marriage deadline. I will also enclose of copy of the judgement as additional proof that my ex-husband has agreed to pay that account. Their blatant disregard to my request has caused me to have been denied of financing. I am now demanding that the XXXX account XXXX be deleted IMMEDIATELY or I will have no choice but pursue litigation for the damages that has occurred to my livelihood. I am also requesting that all inquires be removed from my report IMMEDIATELY for I didn't provide written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$1300.00}, {$0.00}, {$1800.00}, {$1300.00}, {$0.00}, {$2700.00}, {$0.00}, {$22000.00}, {$19000.00}, {$0.00}, {$19000.00}, {$30000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 











2. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXXXX/XX/CONTFINCO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

6. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXXXX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

11. XXXX XXXX XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- COLLECTION ACCOUNT 13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi so have sent in a letter on XX/XX/2023 asking them to remove this account under 15 U.S Code 1681e ( b ) and 15 U.S Code 168i ( 5 ) this account in violation not reporting 100 % accurate.
Product: Mortgage

My husband and I purchased a home for {$98000.00} with XXXX down, we financed {$96000.00} at 9.25 % interest rate upon which we now owe {$94000.00}, and now that we are ready to refinance our current mortgage company is refusing to accept a refinance unless the entire interest for the life of the 30 year loan is paid ( interest fees at 30 yrs 9.25 % = {$180000.00} ) in addition to the current balance of principle owed. Is this legal?
Product: Credit reporting or other personal consumer reports

I called ( XXXX ) Capitol One ( XX/XX/year> XXXX XXXX XXXX. I asked for a 1099c for two closed accounts ( they sent to collections ) balances. The representative stated they could not provide me with the documentation and to call XXXX XXXX XXXX ( XXXX ) who should be able to provide me documentation. I called XXXX XXXX today XX/XX/XXXX XXXX and asked could they provide me with a purchase agreement and the 1099c that Capitol One said they could provide. The represntative did not have knowledge of the documents and could not provide them too me. I would like to use 15 USC 1681s2 because they can not provide proof of the debt being canceled on Capital Ones part and XXXX proof of a signature or agreement. 15 USC 1692G stop all collection attempts if they can not prove the debt. I am requesting all XXXX XXXX Items be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against the two credit bureaus, XXXX  and Experian for violation of the FCRA. I am a veteran who was entitled to the GI Bill. I utilized my GI Bill benefit to further my education. I was informed that there was an over payment ( XX/XX/XXXX ). I paid it back ( XX/XX/XXXX ). It appeared on my credit report as two negative items even though it was not a loan or credit transaction. I have received letters from the Veterans Affairs informing that my account was satisfied ( XX/XX/XXXX ). I sent the letter to both credit bureaus along with a dispute of inaccurate information. The item remains as two separate negative accounts. 
I need them to remove these items.
Product: Mortgage

Started loan little over5 years ago. Was supposed to drop baloon payment and adjustable rate XXXX had on mortgage. Turns out Specialized Loan Servicing new bank did not comply 3 months ago raised mortg. XXXX dollars double what bank needed to pay tax increase. They also were going up aproximately XXXX more in XXXX 2021. This would make payment to bank XXXX a month almost double in 3 month period. I heard adjustable rate mortgages were unlawful for loan modifications. we are looking at loosing property we have been paying on for 18 years now. We also have XXXX XXXX people living in home with a few pets. Not good thing be XXXX in VT due to crooked bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found an account that is a result of fraud. The account is being handled by a collection agency. The original creditor is the XXXX of XXXX. The account was for a utility for a home that I never lived or was associated with. All of the other accounts that were associated with this address have been removed due to fraud. This account is the only account that remains. The account is : CONTRACT CALLERS INC with a balance of {$980.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Checking or savings account

See complaints XXXX and XXXX. Company 's response did not resolve my issue - Navy Federal refuses to credit my account for the stolen debit card 's unauthorized transactions.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

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

An account has been fraudulently opened under my name, social security number, and address at Bank of America. I have asked the account to be closed, which it has. I also asked that the bank stop reporting this account to the credit reporting agencies, which they have not done. Since this is a case of identity theft, they need to correct this informtion as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). However Bank of America fails to do this and is violating federal law. 

I have included FTC and police reports to the bank, but they still refuse to act. And they refuse to send any information and documentation that they have used to make this decisions, which is also required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries that I did not consent to. Improper use of my credit. Fraudulent account appear or charges appear on my credit report.
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Western union is has been collecting money transfers but not making the funds available for pick up. They keep the money for weeks and then refund it back to your account.
Product: Credit card or prepaid card

I received a bill from XXXX XXXX for a card I never opened. I called and filed a formal complaint. Ive since received three more bills called them again and they had no record of me ever calling the first time. I checked my XXXX XXXX and the account is listed as mine and it made my credit score go down.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XXXX XXXX and XXXX XXXX .To remove personal information and account inaccuracies that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO financial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights. For the record, the following information is being erroneously included on my credit reports I advised you on 2 separate occasions, more than 75 days and again 40 days ago : ACCOUNT 1 : XXXX XXXX XXXX, Account # : XXXX XXXX, ] ACCOUNT 2 : XXXXXXXX XXXX  account # : XXXX XXXX ACCOUNT 3 : XXXX XXXX  account # : XXXX XXXX ACCOUNT 4 : XXXX XXXX XXXX account # : XXXX ACCOUNT 5 : XXXX XXXX XXXX  account # XXXX ACCOUNT 6 : XXXX XXXX XXXX account XXXX XXXX ACCOUNT 7 : XXXX XXXX XXXX account # XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I received an e-mail that informed me that I needed two forms of ID after I attempted to close my credit builder account with Self Financial. The e-mail stated that Self Lender 's banking partner requires two forms of ID to close the Credit Builder Account and to close the Secured Credit Card. I submitted a copy of my driver 's license and informed them that I could not send a copy of the debit card they were requesting. As of today I have not received the funds that are in the account and I am not able to " close '' this account due to the fact that this bank is asking for a photo of a debit card that I no longer have. I recently submitted two forms of ID, My driver 's license and a photo of a debit card that is linked to a current checking account. I received an e-mail today stating that the compliance department still needs a copy of the exact debit card that was previously requested, which I do not have. I have already submitted those two forms of ID and I am still not able to get this account closed.
Product: Credit card or prepaid card

I opened a new checking account with HSBC on XX/XX/XXXX in XXXX XXXX, California and funded my account electronically. 

On XX/XX/XXXX, fraud charges started posting to my debit card, which I never received nor activated myself, and I was not notified when it was activated. 

I received an email from HSBC at XXXX XXXX on XX/XX/XXXX while I was in XXXX, XXXX, claiming a temporary block has been placed on my card. I tried to ask the reps on the live chat twice to block my card since the number provided in the email does not work due to holiday hours, but nothing happened. The fraudulent charges on the card keeps coming until I called a 24/7 number XXXX XX/XX/XXXX. A total of {$4100.00} was lost. 

I tried to submit a fraud investigation on the phone, but the process was not helpful and nothing significant was refunded. I had to talk to my personal banker on XX/XX/XXXX and got HSBC 's investigation team on the phone, but they asked me to file a police report. 

I filed the police report on XX/XX/XXXX and have been waiting for almost two months for a response but I have not received any refund from HSBC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit reports and saw that I have 15 Education Loans that dates back to XXXX with XXXX XXXX XXXX on my credit reports. 
These are several accounts reporting the one late payment for XX/XX/XXXX, also stating that " the '' one late payment is 90 days late. However on the previous year XXXX, I paid on time from XXXX to XXXX, so I do not understand why they are reporting a 90 day late on XX/XX/XXXX. Are there still only 30 days that make up 1 month? This inaccurate reporting has been negatively impacting my credit. 
It is also being reported as 15 late payments accounts when it is the SAME ACCOUNT AND THE SAME MONTH XX/XX/XXXX. 
These accounts have been PAID and CLOSED. The last updated report was from XX/XX/XXXX, this information is outdated. Also on the same credit report, the same account number also has 3 accounts  reporting XX/XX/XXXX as paid and in a positive status. This also conflicts with the other accounts, please note they are all the same account numbers.
Product: Credit reporting or other personal consumer reports

A credit card company called Revvi is reporting a credit card with a balance of XXXX that I did not open this is a fraudulent account and I have asked the company to close it and also did an ftc report and sent it in to the company I have also sent it in to XXXX also to be removed from my credit file it still has not been done
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are require to removethese items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX