23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : ACIMA XXXX FKA SIMP Account Number:XXXX
Product: Mortgage

Please also refer to complaint # XXXX for more info. 

On XX/XX/XXXX HomePoint Mortgage took ownership of our mortgage. On XX/XX/XXXX, the account is noted that taxes are paid in full with XXXX XXXX. They state that in XX/XX/XXXX, prior to selling the mortgage to XXXX XXXX ( effective XX/XX/XXXX ), they sent a tax disbursement to XXXX XXXX of XXXX. XXXX XXXX never received this payment and there are absolutely {$0.00} paid towards our property taxes while Home Point Financial services our mortgage. We are now, one year later dealing with the escrow account deficiencies because over {$3700.00} is missing from our escrow account, that it appears Home Point mismanaged. 

Home Point Financial owes {$3700.00} to XXXX XXXX for our escrow account to fix this error that is causing substantial financial impacts to me and my husband.
Product: Credit card or prepaid card

This complaint is regarding PayPal Credit formerly XXXX XXXX XXXX. I have been a consumer of this account I believe for more than 10 years ... The account remaining in good standing. Since PayPal Credit has taken over the account there seems to now be issues with the company receiving my payments in a timely manner. This has and is causing my account to occur late fees. It appears the action of not receiving the payments on time is being done sporadically. I have since closed the account after complaining to the company and they informing me there is nothing they can do about the problem. Payment was mailed on XX/XX/XXXX for a payment date of XX/XX/XXXX. Payment never received and not returned undeliverable. Payment mailed XX/XX/XXXX for a payment due date of XX/XX/XXXX. Payment never received and not returned as undeliverable. Payment mailed XX/XX/XXXX for due date of XX/XX/XXXX. As of XX/XX/XXXX payment has not be received. I believe all of these payments were mailed in more than enough time to be received as similar payments have been made to the same company on or around the same dates and those payments were received on time. XX/XX/XXXX payment was mailed XX/XX/XXXX and cleared on XX/XX/XXXX and XX/XX/XXXX payment mailed XX/XX/XXXX XX/XX/XXXX and cleared XX/XX/XXXX.  The only thing that was suggested to me to avoid late fees on the account was to either call in payment or set up an online account to a sure on time payments. The consumer should not have to be FORCED to call in or pay online to avoid late fees when payments are, being mailed in a timely manner, because business has no payment centers to receive payments other than the above options. I am filing this compliant because I believe this is a deliberate attempt to get the consumer to stop making payments via paper statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Equifax, XXXX and XXXX are reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number xxxx - XXXX. This includes late payment ( s ) 60 days from XX/XX/2017. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX, XXXX and Equifax in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX, Equifax and XXXX have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS IN FACT BREAKING FTC STANDARDS AND REGULATIONS, AS WELL AS FCRA AND FDCPA STATUES AND REGULATIONS. AS WELL AS FRAUDULENTLY REPORTING ANOTHER COMPANIES ( XXXX XXXX XXXX a whole other ENTITYs ALLEGED LOAN/DEBT AS THEIR OWN, IN THEIR NAME. IVE NEVER DID BUSINESS WITH ; NOR HAVE I EVER ENTERED INTO CONTRACT FOR A LOAN WITH THIS COMPANY. THIS IS UNETHICAL, UNJUST AND IN VIOLATION of FEDERAL RESERVE BOARD MANDATES. UNDER FCRA AND FDCPA AN ALLEGED DEBT COLLECTOR MUST ACCURATELY REPORT ALL INFORMATION, INCLUDING BUT NOT LIMITED TO ORIGINAL CREDITOR.. THIS IS EGREGIOUSLY MALICIOUS, BASED ON THE FACT ALLEGED ORIGINAL LENDER WAS REMOVED OFF EQUIFAXs PLATFORM, ON MY REPORT FOR NON VERIFICATION OF DEBT UNDER IDENTITY THEFT. THIS ALONG WITH PREVIOUS COMPLAINTS ABOUT THIS COMPANY SHOWS THE DEPTH, VINDICATION, AND AMOUNT OF DISREGARD THIS COMPANY HAS FOR ESTABLISHED LAWS, CODES, AND PROCEDURES.. I DEMAND THIS COMPANY FURNISH TRUE DOCUMENTS WITH MY FACTUAL SIGNATURES AFFIXED AND OR VIDEO DOCUMENTS TO ALIGN WITH THE CLAIMS OF CONSUMER-MERCHANT RELATIONSHIP AND OR CONSUMER ORIGINAL INDEBTEDNESS TO SAID COMPANY.. AS WELL AS I DEMAND AN ARBITRARY RESOLUTION BE SOUGHT OUT AND MEET WITHIN 15 DAYS OF SUBMISSION OF THIS COMPLAINT. OR LEGAL ACTION WILL COMMENCE AND OR OTHER MEDIUMS INCLUDING BUT NOT LIMITED TO FINANCIAL AND GOVERNMENT AGENCIES AS WELL AS LOCAL NEWS ETC. 

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

I noticed my Auto pay stopped for my car loan on XX/XX/2020. I contacted 5th 3rd bank, my auto loan provider, to find out why. The rep told me he was not sure why, but it probably had to do with the fact it was one of my last few payments. 

I paid off the entire balance on my loan on the phone that day ( {$590.00} ), and shortly after received my title. Now my credit has gone down 115 points!! I have contacted 5th 3rd bank to see what they can do for me, but they said I need to file a complaint. 

No one told me my auto pay would randomly stop. How would I know?! I honestly thought that the auto pay stopped because the loan was paid off!!! 

I also received 2 letters from them. One says I owe them {$590.00} on XX/XX/2020, while the other says I am past due in the amount of {$590.00}. Both letters are dated for XX/XX/2020.
Product: Debt collection

My social security number was used to open up XXXX accounts. XXXX was for XXXX XXXX and XXXX was for XXXX in Michigan. I have lived in XXXX  my whole life and so the address that is on my credit file for XXXX  is not accurate. I believe both debts are being handled by Convergent but I am not 100 % sure as it is all confusing to me. I had contacted them and they told me to email them the proof that I have never lived there and that the debt is not mine and so I emailed them bills and check stubs that show I never lived at that address and they confirmed that my identity had been stolen. I contacted XXXX who disputed it with them however they are saying the debt is accurate when it is not. Not sure how where to go from here as I am only XXXX and am unfamiliar with how this process is supposed to work
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX years. 

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

On XX/XX/2024, I made Equifax, aware of the misleading and inaccurate collection account alleging a debt in the amount of {$10000.00} they are reporting on my credit report. Ive requested Equifax and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. it has been well over 30 days for Equifax to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report, immediately by the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Equifax has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) TransUnion in violation of FCRA and if they fail to comply and delete this information from my credit report, they must be held liable per 15 usc 1681n
Product: Credit reporting or other personal consumer reports

I disputed the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX with Transunion and XXXX XXXX XXXX, I received the certified mail stating they received my information and when I call they state they have not received it. I have requested validation of debt and have been denied these papers with anything showing that I signed for any loans with this company. I have attracted the letters I send to Transunion, XXXX AND XXXX and XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter ( Tracking number : XXXX ) dated XX/XX/2021 to TransUnion showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 45 days have elapsed since this request for the removal of inaccurate information from my credit report was filed with TransUnion. In accordance with Federal Regulations ( FCRA section 609, 611 ( a ) ) TransUnion should have investigated and provided factually supported evidence and appropriate documentation or should have removed these items from my credit report within a reasonable time of 30 days. TransUnion also failed to post disputed consumer remarks in the comments section of these accounts.

Despite having sent two additional certified letters to TransUnion since the elapsed mandatory 30 day period, I have not received any response nor deletion of inaccurate information from my credit report. Unlawful reporting of inaccurate information by TransUnion has caused financial hardship on me including denials for credit, I demand these inaccuracies and unauthorized inquiries from my credit report be deleted immediately.
Product: Debt collection

I had an account with XXXX XXXX XXXX which I paid off in full. All my payments were sent directly to XXXX & I have all the receipts to prove it. There is this company Security Credit Systems Inc that has placed a hold on my XXXX account so that I can not get my crown replaced which I have paid for. Not only that they have reported this to credit agencies screwing up my credit. They say I owe them money. I DO NOT! I sent them a certified letter with return receipt so I know they got it refusing to pay them. I have never spoken with anyone from them nor received any kind of bill, statement or correspondence so I will not pay them. I expect this to be corrected immediately! Also, do n't you think its funny if I owed them money why they never sent me a bill for their " services ''. If XXXX paid them to collect a debt they got ripped off because I 've never heard of this company. Something I forgot to mention is I never knew I was in collections until I tried to make an appointment with XXXX an they told me I needed to settle with this company first. I 'm XXXX retired with a limited income I can not afford to pay for a crown twice & I should n't have to.
Product: Credit card

TDRCS/XXXX refuses to answer a phone ( they put you on hold for hours and nobody picks up ) and their website has NO forms to complete to contact them about your account. 
See for yourself - https : XXXX XXXX for yourself - XXXX Try for yourself repeatedly for several days, let your phone be on hold hearing their hideous hold music and find out for yourself that this company either needs to be sold off to another financial institution or be permanently closed because this is NOT helping people resolve issues. 
My specific issue is that they have inaccurately reported to credit bureaus and I need to notify them of their errors. 
I dont know what teeth you have, but these people must be held accountable and face consequences for refusing to take care of their clients. 
Please advise if you have any further suggestions on how to have this company face justice. 
Respectfully submitted, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX XXXX XXXX in Florida is also known as Financial Credit Services. They are both the same Collection Agency. I have never received any notification by mail that I had any Medical debt with this Collection Agency ( s ). Therefor I did not even receive any notice of my rights to dispute. In addition, XXXX XXXX XXXX did not disclose any communication that this was an attempt to collect a debt. I did not know this company was reporting multiple and duplicate Medical collections until I pulled my consumer credit reports from all three credit agency 's. At that time, I took my legal right with XXXX, XXXX and XXXX and disputed them. Over the last 60 days they were deleted from Credit Reports only to find out GulfCoast Collection re-reported the same collection back on my Consumer Reports under their other company name, which now shows as an entirely new collection with XXXX and the others. This has reduced my FICO score substantially where I now find myself in a serious negative situation with banks and lenders not to mention it is impossible for me to now purchase a home. I am XXXX and even tried to resolve this directly with the company only to be treated unethically, unprofessionally and talked to in a threatening manner. They refuse to cooperate and work with me to resolve this matter in any way what so ever.
Product: Credit reporting or other personal consumer reports

Experian has responded back to my dispute letter saying that a collection account from XXXX XXXX came back as verified when the account is not mines and I have also disputed that account with cpfb and they sent a response saying This is in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX regarding the XXXX debt that we acquired in their name, which is now associated with XXXX Reference # XXXX. In an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus delete our tradeline. 
Thank you for the opportunity to respond.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXXXX  there were six fraudulent charges made to my account totaling {$320.00}. I never received the PayPal debit card that was mailed out to replace the current one I have that is about to expire. It was stolen before I ever received it and used to to steal all the money in my Paypal account. I immediately canceled the card and filed a dispute with PayPal who did not respond until XX/XX/XXXX to deny my dispute and close them. I immediately refiled new disputes as I'm the victim of theft and fraud and my money needs to be refunded asap.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must exercise their significant responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I am exercising my rights under this provision. 

Experian, being a consumer reporting agency, is subject to these obligations. I, as the consumer, have the right to ensure that my private information is not shared, as reinforced by 15 USC 6801, which states, 'It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ' I have formally requested to opt out of any and all authority granted under 15 U.S. Code 6802 ( a ) ( b ) ( c ), whether conveyed through written, unwritten, verbal, or nonverbal means. This request is effective immediately and is intended to be in effect indefinitely. " Under Title 15 USC 1681, Section 604 ( a ) ( 2 ) defines a financial institution. In this section, it is explicitly stated that, 'In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' It is crucial to note that both the financial institution and the consumer reporting agencies, namely Experian, do not have my consent to furnish this information. Moreover, they certainly do not possess my written consent as required by the aforementioned provision. 

Furthermore, according to 15 U.S. Code 1681e, 'Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ' It is evident that Experian is not upholding reasonable procedures as required by this provision. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I WENT TO A XXXX DEALER IN XXXX, AND APPLIED FOR A LOAN TO BUY A CAR, THEY WENT AHEAD AND RAN MY CREDIT WITH 5 OTHER BANKS WITHOUT MY AUTHORIZATION, NOW I HAVE ALL THOSE INQUIRIES FOR NO REASON, EVEN WORSE I DID NOT BUY THE CAR THERE..
Product: Checking or savings account

Bank of America XXXX XXXX XXXX, XXXX Florida XXXX is using my personal identifying information to open fraudulent bank accounts. This is the 3rd occasion and all have been reported to their fraud department after hours og being on hold. Bank of America has not closed the 3rd account at my request and remains indifferent to the fact that this is the 3rd time a fraudulent account has been opened. Bank of America has charged fees on the most recent fraudulent account although no transactions have taken place on any of the accounts. Bank of America has not reversed this fee although miniscule. Bank of America has also refused to put in place any measures in place to prevent further fraudulent activity in my name. Bank of America has requested more PII from me in order to complete the claim and close the account. At no time have I opened or wished to have an account with bank of America. No other fraudulent activity using my PII has occurred.
Product: Credit reporting or other personal consumer reports

XXXX a victim of identity theft. I do not nor did not authorize these XXXX hard inquiries
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : Unauthorized 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  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 # XXXX and 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 reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ACCOUNTS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my file. 
XXXX XXXX XXXX  Balance : {$36.00}, XXXX ; XXXX XXXX  Balance : {$38.00}, XXXX.