23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I am writing this letter as a formal complaint against XXXX, Equifax and XXXX. I have made several attempts to have my personal information on file updated and the removal of all inaccurate information. As they are not deliverable to me by U.S postal office, and they are not reportable as per the F.C.R.A section 623 ( 15 U.S.C 1681-2 ) responsibilities of furnishers of information. These agencies continue to report my personal information inaccurately, which is damaging to my credit.
Product: Credit reporting or other personal consumer reports

I was trying to build my credit score, so month after month my score kept climbing, nothing appeared odd on my reports that I was checking in on. Then one day I received a notification that my Equifax score had dropped by XXXX points, upon further investigation I saw that a line of credit had been opened in my name and they ran a charge to the full amount of XXXX XXXX dollars. A few oddities I noticed from the beginning was that it said I had opened this line of credit years ago which could not have been possible ( I believe it said the line had been opened around XXXX ) but not until recently ( around XX/XX/2023 ) had the account been maxed out or even touched. Another thing that seemed odd was the company that had allowed this line of credit which was ( XXXX  XXXX ), I could not find much information about this company and there address they provided on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX is mail only, they apparently have no email or phone number. I contacted XXXX bank since the information I did find pointed me to that company being responsible for supplementing the credit. After a brief phone call with there identify theft department they determined they could not help me but 2 weeks later they called me back and said they will look into the report. After 15 days I received a letter in the mail stating they could not find any instance of fraud as they could not locate the specific account. This issue issue is still unresolved and now Im trying the next step to get this handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA, if I send you a dispute to fix my file, you must comply. My credit file still shows stuff that I said I don't validate and that shouldn't be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went over my credit report, and I noticed that there are payments that are being reported as late on two accounts XXXX and XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint is with XXXX XXXX XXXX  company I made a loan one time and encountered an abuse.It was XX/XX/XXXX when I went to make a payment with cashiers check endorsed as XXXX XXXX XXXX a lady at the counter refuse to accept the payment because it was not written as XXXX XXXX XXXX, it was written as XXXX XXXX XXXX.if did not have time to change the office would be closed for four days they would charge me late fee and the bank would charge more fee for not having suficiente fund.This my first loan after I paid it with no even late one day one month later I received a letter notice of data breach.So that induced me to get loan in order to alieviate from someone using my information and get a loan until I do some thing to prevent identity theft.So when they gave me the contract I saw that the score was XXXX, but the next day when I checked my score was XXXX.And this was intentional falsification to XXXX up the score.Then on XXXX XXXX XXXX I wrote them a letter how we can solve the situation and never received an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have just noticed XXXX hard inquires on my XXXX account I did not authorize and is NOT accurate. It has been disputed with XXXX but they still remain in my Credit Report. 


Please remove these immediately and update my XXXX Report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Listed XXXX on my report One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date : XX/XX/XXXX Re : Debt Amount : {$1600.00} Date of Service : XX/XX/XXXX Provider of Service : Professional XXXX XXXX XXXX XXXX XXXX I am writing in response to your communication regarding an alleged debt for services provided by XXXX XXXX XXXX on XXXX XXXX. As permitted by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate the debt you claim I owe. 
1. Debt Validation : Please provide a detailed breakdown of the alleged debt, including any medical charges, fees. or collection costs. I am currently unaware of the total amount due and would appreciate clarification before moving forward.

2. HIPAA Compliance : Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am entitled to protect my private medical records. I do not recall authorizing XXXX XXXX XXXX to release my medical information to any third party, including your agency. HIPAA allows for the release of limited information, but any further release requires my explicit authorization.

Please provide : your agency. 
A copy of my signed authorization permitting XXXX XXXX XXXX to release my medical information to A complete account of the information you received from the provider in connection with this alleged debt. 
3. Cease Reporting : In accordance with the FDCPA, I request that you cease any credit bureau reporting until this debt has been fully validated. Reporting inaccurate or unvalidated debt to the credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), for which I can seek damages.

4. Documentation Request : To comply with HIPAA and FDCPA regulations, I expect full documentation of any information your agency has received from the provider regarding this debt. If your agency is withholding any part of my medical information for HIPAA compliance, this may constitute a violation of the FDCPA, as it would prevent me from fully validating the debt. 
Please respond to this request by sending all requested information to my address listed above within 30 days of receipt of this certified letter. If you are unable to provide the necessary documentation and validation, I expect the immediate closure of this collection account and the removal of any related reporting from my credit file. 
Thank you for your attention to this matter. I will await your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureau must delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX XXXX Owed : {$110.00} ; XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX Balance Owed : {$4400.00} ; XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted approved police report and ftc affidavit and documents from the creditor confirming the account was an act of fraud. Equifax and XXXX has taken two months to receive the incorrect results. This is frustrating and the entire identity theft process is terrible.
Product: Mortgage

We were struggling to keep our mortgage payments current and constantly trying to contact 21st mortgage to set up a different payment plan or just to work something out. They would say they were sending forms for us to complete but never received any. Would try calling but there XXXX number was a non working #. Kept sending emails and no response. Would attempt to make online payments however since it was late the online system locked me out. So was unable to make payments. Received a hand delivered letter stating we were going into foreclosure. That letter had another XXXX to call which I did. Spoke to a rude male and he stated the he would call me back with a total amount due. Never called. Kept calling and was told he would call me back. Today I spoke with another rep and she stated that they were instructed not to call me. This has been going on for months. They are now saying that I owe attorney fees because it hasnt been paid. How can I pay when they wont tell me what I owe? How can I pay when they wont take my payments? Why should I pay attorney fees? 
Bottom line is 21st mortgage is impossible to work with or even communicate with. As a business owner myself I couldnt imagine refusing to take a payment from someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

Since the collections company first showed up on my credit report earlier this year. There have been on about 6 or 7 known occasions that the collector has used deceptive and illegal business practices in order to purposely damage my credit. A based upon the imformation in XXXX, it been estimated due to the collection company 's actions has lowered my credit score over XXXX points. 

What they do is they would remove the collection account from my credit report, and then report the account as a XXXX collections acount. Attached to this complaint will be evidence from XXXX of XXXX to XXXX of XXXX. On dates between XX/XX/XXXX XXXX The collection account was removed by the furnisher and then the account was reported as a new collections account. They repeated furnishing this fraudulent information several times on XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX and just recently XXXX XX/XX/XXXX. There are more times that this was done previously to XX/XX/XXXX going back to XXXX of XXXX. Sunrise Credit Services is the company responsible for these deceptive, fraudulent and illegal practices. The account was sold as a unpaid debt from XXXX XXXX XXXX ( XXXX ). The debt was never supposed to be put collections because the account is still active and I pay every month on the account. I hold both parties responsible for the damage done to my credit. Such extensive damage has resulted in many denials for credit such as personal loans, VA mortgage loan and applications for car loans.
Product: Debt collection

I noticed this collection on my account in XX/XX/XXXX and immediately paid it. I asked my wife to call to try to get it deleted off of my credit report but they refused her since it was not her account. 

We moved from XXXX  to XXXX in XX/XX/XXXX. We had an account with XXXX XXXX and we never received our final bill. It was an extremely hectic time. We were moving across the country with a XXXX and XXXX year old to a place none of us had ever been. We moved into temporary housing until we could find a permanent home. We moved into our current home in XX/XX/XXXX. You can imagine the stress of that time. 

We never received any notice of this debt from either helvey and associates or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or Pacer who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house.

I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus.

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. Credit Bureaus are NOT supposed to use Public Records for their reports!

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud.

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.
Product: Payday loan, title loan, or personal loan

I borrowed {$400.00} in the beginning of XXXX 2017 from an online payday company called Big Picture Loans. I have borrowed from them earlier this year and was able to pay off the loan quickly so I did n't have to pay high interest fees. I have made 4 payments of {$130.00} which is a total of {$520.00} on this current loan. I wanted to pay off the loan last week, it said I had a balance of {$390.00} which is ridiculous because I 've already paid {$120.00} in interest however I just wanted it paid off so I was going to pay it. When I tried to schedule the payment it said my payment would be {$480.00}!! Why would I pay almost {$100.00} more than what it said I owe?? I did n't have this problem with the first loan so I do n't know what is going on with this company. They are n't willing to work with me at all, the customer service representative claims he was helping me by saying I could skip my upcoming payment however then I would owe over {$600.00} on XX/XX/XXXX. HOW IS THAT HELPING ME?? If I want to pay it off why do I owe so much. This company is not clear on pay off amounts, the representative just said its computer generated and there is nothing he can do. I ca n't even upload the documents because the website does n't allow me to. This company should be closed, they are thieves!!
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I WENT TO XXXX XXXX  XXXX TO LOOK FOR A CAR. AS I SAT WITH A REPERSENTATIVE TO DISCUSS A VEHICLE. I WAS TOLD HE WOULD TALK TO HIS LOAN OFFICER AS I DID NOT PURCHASE A VEHICLE FROM XXXX XXXX, I WAS NOT TOLD THAT HE WOULD RUN MY CREDIT WITH MULITIPLE LENDERS, I NEVER GAVE WRITTEN CONSENT FOR ENTERPRISE CARS TO RUN MY CREDIT REPORT AND I SENT OUT LETTERS TO EVERY LENDER DISPUTING THESE ACCUSATIONS AND THEY ALL KEEP TELLING ME, THEY WENT THRU A THIRD PARTY. I ASKED XXXX TO SHOW THAT I GAVE THEM APPROVAL TO SEND MY INFORMATION TO THESE LENDERS WITH A COPY OF MY DRIVERS LICENSE AND SIGNATURE. I WAS ALSO TOLD THAT AFTER SPEAKING WITH XXXX XXXX THAT BECAUSE I DID NOT PURCHASE A VEHICLE THAT MY INFORMATION IS NO LONGER AVAILABLE TO THEM AFTER 20 DAYS I CALLED AND WROTE TO XXXX XXXX, XXXX XXXX XXXX  AND XXXX XXXX. I HAVE DOCUMENTATION FROM XXXX XXXX AND XXXX XXXX, I ALSO SENT A COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY CARD PROVING I NEVER GAVE PERMISSION FOR ANY 3RD PARTY TO RUN MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

The purpose of this letter is to advise you that an improper investigation was conducted by your agency, failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of XXXX XXXX including the following : Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties. 
Please label all quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees. 
Also, please provide me with a complete description of your clients identity, including its full name, address, state and local license ( s ) and state and federal tax numbers.

Last but not least, you need to provide an original consumer contract with my " wet-ink '' signature on it.

Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file, within XXXX calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As I'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

I look forward to an expedient resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following 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 Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Checking or savings account

Our organization, XXXX XXXX XXXX XXXX, had its nonprofit checking account closed by PNC Bank without notice on or around XX/XX/2022. At which point, the XXXX, Massachusetts PNC branch ( located at XXXX XXXX XXXX  XXXX, MA XXXX ) refused to communicate with us and would only communicate with a former employee whose name was on the account. We had been trying to transfer ownership over the account to our organization 's president, but the PNC branch made it incredibly difficult to do so. Moreover, at no point did they communicate that our account would be closed if the ownership transfer did not occur. On XX/XX/2022, PNC communicated to our former employee that a check in the amount of our account balance of over {$60000.00} had been issued to that former employee, who lives in Maryland, and that it would take between 7-14 business days to arrive. As of today, XX/XX/2022, the check has not arrived at the former employee 's address. The PNC branch is not able to say where the check is and does not have a tracking number for the envelope in which they mailed it. Effectively, our entire bank account balance has been lost, employees have failed to receive scheduled payments, and damages have been accrued as a result. PNC has offered no constructive steps to remedy their failure to provide notice about the closure, deliver the funds promptly within 7-14 business days, nor satisfy our legal claim to funds which are ours. We are a nonprofit that had to open a new account with another bank, and as result of PNC, we currently have only {$50.00} in it. We need assistance immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been XXXX separate attempts to remedy this issue with Equifax which have all gone unresolved. This is now the XXXX letter that I am submitting to the companies legal department as a demand to comply. They know that the items listed are inaccurate as each time they remove XXXX or XXXX of the items instead of removing them all. See attached letter dated XX/XX/2022 and letter dated XX/XX/2022.