23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a letter to MACYSDSNB letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and MACYSDSNB refuses to delete the fraudulent accounts from my credit report stating in a letter its verified MACYSDSNB provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit reporting

I called them and they agreed to remove from my account in stead the are reporting the following which is wrong Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Student Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$18000.00} Responsibility Co-maker/Signer Balance {$18000.00} Highest Balance {$15000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$18000.00} Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-off
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agencies XXXX, XXXX, and Transunion have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint. 

According to the Fair Credit Reporting Act, all three reports are to supposed match perfectly but all three reports have ( or do not have ) items that are not present on one another. This is a violation of my rights and demand that inaccurate items be removed across all three reporting agencies be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 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.
Product: Debt collection

The bill has been a filed claim from the original company and paid thru its insurance policy this 3rd party was sold the account trying to collect on account invoice the original company has been processed and thru there insurance
Product: Credit reporting

I forward a letter to Equifax on XXXX/XXXX/2015 ( certified XXXX ), no response from the company. I have disputed several items on my credit but have not heard from this company.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX My complaint is that experian has not removed the negative item from my credit report account XXXX also I mailed documents from the company letter head dated XX/XX/2023 the letter states from XXXX XXXX to removed the negative item from my report it was already removed from XXXX and XXXX XXXX. But please have experian check their mail room and have this account removed from my experian credit report. It's affecting me.
Product: Mortgage

My name is XXXX XXXX and I live at, and own a home at, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I appealed my property tax rate and received a successful decision to reduce my property taxes from a total of {$29000.00} per year to {$20000.00}. On XXXX separate occasions beginning on XX/XX/2023 I requested that Ally bank, my mortgage service company, review my escrow estimates for the next year so I would not be charged an overpayment of almost {$9000.00}. They have multiple times mis-calculated my new monthly escrow payment and most recently, on XX/XX/2023, they are calculating my monthly escrow payment based on an annual tax payment of {$27000.00}. I provided a summary letter, the annual calculations, the decision on my property tax value from the local taxing bureau and annual tax exact calculations that cover all 3 types of homeowner property taxes ( local township , county and school district ) that clearly demonstrate the {$20000.00} total. At this point, Ally bank are either incapable of completing simple mathematical addition or outright fraud. I need this fixed without another 30 day delay to try again to recalculate my escrow payment.
Product: Debt collection

I have already paid this debt. The MCM account number is XXXX. The original creditor is XXXX and the original account number is XXXX
Product: Debt collection

I received a letter from Transworld Systems Inc. ( TSI ) in early XXXX of XXXX  attempting to collect a debt. The letter stated that I needed to respond by XX/XX/year> if I disputed the debt. I mailed a letter along with the tear off portion of the TSI letter requesting information about the debt on XX/XX/year> and according to XXXX XXXX information it was available for pick up on XX/XX/year> at their address. In the letter I requested a copy of the original contract, the information for the original creditor as well as other basic information about TSI. Also in the letter I requested that I not be contacted by telephone and to mail all correspondence to my provided home address. On XX/XX/year> at XXXXXXXX XXXX  XXXX XXXX with TSI contacted me by telephone demanding payment. The phone number that XXXX called me from was XXXX. After demanding payment I asked XXXX if TSI had received my letter requesting them to not contact me by telephone and she stated that she did see the letter and apologized several times and stated that the computer had called me. I advised XXXX that I was going to file a complaint and requested her to note this information in the account and she stated that she would.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with Lexington law firm and I was working with them to improve my credit they told me that the items will be removed and they was removed but now I'm get notices for me to pay the same things that was removed so I contact Lexington law and was told XXXX 's a supervisor that it's not not fully removed so I'm confused why emails saying they were removed but they can come back then she said in contract that I was told I told her no I wasn't your suppose to be credit repair and help get those items that I'm disputing off my credit report
Product: Credit card

Bank of America *unbelievably* closed both my checking and credit card accounts without giving me any notice! They claim they sent me a couple of emails and letters, but I never received anything from them. However, I *did* receive a refund check and plenty of marketing emails and account statements. How does that even make sense?! 

This is a total breach of trust. Closing my accounts without a word is beyond unprofessionalit 's shady. Even after shutting them down, they didn't offer any explanation or reason. I only discovered my accounts were gone when I logged into the portal and found them *completely* missing. 

I have direct deposit from my paycheck going into the Bank of America checking account, so theres more than enough activity to justify keeping the account open. My credit card had a purchase as recent as six months ago. And to top it all off, I lost around {$100.00} in cashback rewards! This is unacceptable, and Im beyond frustrated.
Product: Vehicle loan or lease

Ive been making payments to burns buy here pay here and my payments arent being applied to the loan. On XX/XX/year> I made a payment of {$640.00} which had me caught up. On XX/XX/year>, I made a payment of {$290.00} and was a payment behind. So, on XX/XX/year> I was trying to make a payment and it showed that I had to pay {$430.00} and I was confused on how or why did I owe that much. I reached out to burns and wasnt able to get through, no one answered. So I called the next day and same thing. I then emailed XXXX to ask her what was going on because now the portal was saying that I owed over {$600.00}. She replied and told me to call into the office. I explained to her that Ive been calling for a few weeks and didnt get answer. So, I called back and spoke with a rep and was told that only {$86.00} of the money that paid was applied to my loan. I asked for an explanation and was told that it went towards XXXX and late fees. Unless Im getting charged a late everyday, which wasnt disclosed in the contract, and even then theres no possible way that I paid in just two weeks timeframe of {$930.00} and still owe over {$600.00}. I need this matter looked into and rectified as soon as possible or I will be seeking legal representation to look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continuously places a fraud alert against my credit file against my explicit instructions not to do so. I have sent numerous letters to Equifax with the appropriate identification documentation instructing the agency to remove any and all fraud alerts from my file to no avail. By Equifax placing a fraud alert without my consent has caused numerous problems including not being able to create an online social security account or being able to apply for various credit invitations. 

Further, Equifax 's computer generated online identity verification system has been unable to generate proper questions for the last two years, making it impossible to expedite any disputes online.
Product: Mortgage

It's been an ongoing problem with payments since my loan was initially sold to Fay Servicing. 

I've called several times regarding issues with payment whether it's untimely processing of payments, the website, or partial payments that end up in suspension accounts and are not applied to the mortgage for random reasons. 

I contacted Fay Servicing last XXXX to dispute the escrow analysis as it did not seem correct. My escrow payments had increased by over {$150.00}. The phone representative told me that escrows often go up due to increases in taxes and insurance. I explained that I understood that as I had owned the property for over 15 years but had never encountered such a high increase. I asked for a written explanation and escrow breakdown analysis to show how the payments were being disbursed. I never received it and continued to make payments. 

This XXXX, I received another notice showing yet another increase of an additional {$77.00}, and that my escrow balance was significantly low. ( - {$2600.00} ). When I checked my state property tax database to compare, I saw that was not the case. My taxes had remained the same over the years just as I thought. Fay Servicing had continued to make the payments to the state but the XXXX escrow statements, payments, and balances were VERY different. 
Please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX portfolio recovery XXXX I have been a victim of identity theft with XXXX  and XXXX. XXXX  XXXX deleted trade line off my credit report. How are you collecting on a trade line that was deleted. Please send me information that allows you to collect on this as well records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. These shall be excluded on consumer reports. 

You will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. Please discharge and delete from all credit bureaus. 

Should you not delete and discharge immediately, I will pursue civil litigation and sue for defamation, denial of credit opportunities, and denial of career opportunities.
Product: Credit reporting or other personal consumer reports

Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute inquiries and information do not belong to me. Im attaching the required FTC Report # XXXX for you. Please remove these items. If you feel there is a possibility these inquiries and information belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each of the items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  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 Has Violated my rights! 

15 U.S.C 1681 Section 602A 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 with out my written instructions.
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXX that shows on my credit report for all the agencies is a company account for a company that I don't own. I have sent all companies the police report and the FTC report and it keeps coming back thats its me. I have even pointed out that this is a buniess platinum account and they tell me that XXXX is reporting it as a personal account. I have told all three agencies that I called XXXX and they told me that it was a company account. I have done everything to get this removed but due to XXXX having my info on file even though it was stolen and they do not have a vailed ID on file they will not help me. My Ca DL starts with a XXXX the credit agencies have told me point blank that they don't care about the ID on file. When XXXX confirms my XXXX, XXXX and or name thats enough for them to keep it on my report. This can not be how things are handled. If my info was stolen and used then yes its going to come back as confirmed, if my info was stolen how am I supposed to get this off my reports? The only information that I have ever gotten from XXXX was after I started the ID theft claim and they told me that they show payments posted to the account from a XXXX bank account, I don't nor have I ever banked with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX 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 have mailed multiple disputes to Equifax, XXXX, and XXXX. All of my disputes have been left unanswered. I have attached copy of my three bureau credit report for each of the companies to review. They have not fixed the errors in my credit report. Please ensure these companies fix the erroneous information in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING 16 INCORRECT INQUIRIES ( XXXX SCREEN SHOT 1 ) AND XXXX IS REPORTING 9 INCORRECT INQUIRIES ( XXXX SS 2 ). NEITHER COMPANY IS POSTING CONTACT INFORMATION REGARDING THE MISINFORMING AGENCIES AND I AM SUFFERING DAMAGE BECAUSE OF THIS MISINFORMATION.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing dissatisfaction and frustration with the handling of my fourth attempt to remove fraudulent items from my credit file. Despite multiple efforts on my part and the submission of substantial evidence, the response from your company continues to fall short of addressing the urgency and severity of the situation. 

Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been inadequate and have failed to offer any meaningful progress towards resolution. This ongoing lack of accountability and transparency has left me feeling frustrated and powerless in rectifying this matter. 

Conduct a thorough and expedited review of my case, with a firm commitment to prioritize its resolution. 
Promptly remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to safeguard my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX