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

I sent letters to the credit reporting agencies via mail on XX/XX/year> to investigate XXXX XXXX account and XXXX XXXXXXXX XXXX credit card account. XXXX XXXX is reporting the incorrect balances on my credit report and adding late payments to the account each month. They offered to settle the debt for XXXX XXXX less than what is being reported. XXXX XXXXXXXX XXXX  is reporting late payments on my report each month even though XXXX XXXX XXXX is managing the account. I was not notified that my info was given to them. I did not find out until I reached out for an update via mail on XX/XX/year>. Both companies are violating the FCRA laws such as, law 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681s-2 ( b ). I asked for the credit reporting agencies to investigate the accounts and to provide proof of validity ; They did not complete an accurate investigation. If the information is not being reported correctly, it needs to be deleted. 

I reached out to the credit reporting agencies about XXXX XXXX XXXX collection accounts to investigate the validity of these accounts because I do not recognize them. They all sent me automated letters instead of completing an accurate investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized accounts, hard inquires and activities on my credit report resulting from identity theft. I believe this theft occurred due to my victimization in a serious crime, specifically being targeted by a XXXXXXXX XXXX XXXX during which my personal information was compromised. 

The fraudulent activity includes the following accounts listed below, transactions, or inquiries you have identified as unauthorized, e.g., a credit card opened with XXXX XXXX XXXX  on dates listed below These accounts and activities were not authorized by me, and I did not consent to their use or creation. 
Inquires Items that are inaccurate or false XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX  Accounts Items are inaccurate of false. 
XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX-Account Number XXXX XXXX. ) XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. ) XXXX  XXXX XXXX Account Number XXXX Personal Information Items are inaccurate or false, defamation of character. 

This 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 an account without 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. 

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THR FOLLOWING ITEM ( S ) TO BE ERRORS, OR ARE DEFICIENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSE WISE NOT COMPLIANT. TO INCLUDE TO METRO & REPORTING STANDARDS. 

Please remove these items immediately
Product: Credit reporting or other personal consumer reports

Incorrect or off information is being reported on Equifax and XXXX. I am in a region that heavily relies on XXXX. I have disputed info, but nothing has happened, My info was stolen from data breaches that have happened. I disputed what I do not recognize, but no action has resulted from it. I disputed through XXXX XXXX. Because of the misinformation, if a company uses a third party to supply info, it is incorrect and i am then kind of shutout and the only explanation is this is what we can see, you have to dispute the info, resulting in a cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Debt collection

I have reached out to ad astra customer service, and company president by email asking to validate this debt. They have not responded but yet validated the account with the credit bureau. How that's possible I don't know.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 
Failure to Provide Required Disclosures XXXX XXXX XXXX  has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provide.15 U.S Code 1692c ( identity theft. They are the original creditor, This is an attempt to collect a debt all illegal. They havent validated anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of inquiry XX/XX/XXXX.
Product: Debt collection

I had a debt with a company called XXXX care credit which is now owned by a different company. I was told my debt was deleted by the company in XXXX  they wouldnt give me an exact date. I have been receiving calls from XXXX different companies since then. Some say are lawyers offices and their filling legal action for bank fraud. Some say they are sending the police to pick me up for bank fraud. They have called my mother and shared information about this debt with her. None of them will supply a real company name or address Email address ( the company name or lawyers name is different every time ). None of them will supply any paperwork for the account they say I have to pay the account fully before I get any information. Care credit says it cant give any information for the account as it has been deleted. Im not sure what to do about this as I was told by the veterinarian that the debt was never paid by care credit and I had to pay them after paying more then XXXX  the debt owed to care credit in XXXX months. The original debt was around XXXX $ the veterinarian has passed away so I cant get any information from them either. I never received anything from care credit as far as notices or a card they never even gave me my account number or a card. I will add the phone numbers of the callers but other then that I have nothing else I can give. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I contacted SunTrust Mortgage about paying off my house on XXXX/XXXX/16. I spoke to XXXX and was told I would need to stop automatic payments from my checking account.. I asked her to please do so and she said it was taken care of. She then told me to write a check for the full amount of {$1300.00} and if I wanted to, add a bit more to cover interest for the few days it would take for the check to arrive at SunTrust. She instructed me to include my name and account number. I followed these instructions and sent in my check and paperwork the next day. 
When I did n't hear from them by XXXX, I called and spoke to XXXX and she told me they had closed the account the previous day. That they were sending my escrow plus over a thousand dollars in addition to that. I questioned why I would be getting over a thousand back and she said that they had taken a regular house payment out through automatic payment at my bank that very day. The day AFTER they had closed my account. 
I told her that XXXX had said that automatic payment had been cancelled on XXXX XXXX. She said that apparently it had n't been done. I asked that the money be placed back into my account as it caused me to be unable to pay some of my other bills to have that money gone. She said her supervisor XXXX XXXX wanted me to send a copy of my bank statement to prove that they had withdrawn the money. Although they just told me they had done so, they now wanted me to prove it. I sent a picture to XXXX showing that page of my bank account. I received a message from XXXX the next day saying that XXXX now wanted a hard copy of that statement and that XXXX would call me later that day to take care of my account. That was XXXX and I 've not heard from them since. 
Today, XXXX, I have called twice and requested to talk to XXXX and been told she will call me back. That was 3 hours ago. 
I told them the first day when they said they took the extra payment that it would cause me hardship paying my bills and that I would hold them accountable for any fines or charges I received as a result of their mistake. I was told that they were going to mail me that check and the escrow money within 15 days. Rather than credit it back into my account that day as I requested. I feel like I am getting the run around and that I am being penalized for their employees error. I know we all make mistakes, not a big deal. But their failure to rectify this in a timely manner is why I am contacting you. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion : I demand my credit be frozen immediately, I have already requested this years ago, but it has come to my attention that there has been many illegal inquiries and information has been shared. freeze immediately. do not share with anyone for any reason. stop collecting information and spying one me to, through things like XXXX and XXXX as well. here is a transcript of another complaint with more information : illegal credit inquiries since XXXX according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. this information has been obtained illegally, and the information is false. immediately destroy any information obtained. cease and desist all business activity related to me. experian, the credit report was supposed to be locked years ago and i have a confirmation that you locked it. you did not. ongoing litigation, send all inquiries to XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have opted out of all credit products. i have been debanked and all my property is stolen. leave me alone. i will never do business with any of you criminals for as long as i live. XXXX XXXX. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason.

immediately destroy any information obtained. cease and desist all business activity, especially related to me. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason. XXXX, lock the report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've reach out to the original creditors with no resolution. I had demanded that the inaccurate information to be removed and blocked from my credit report. this information has obscurities, has errors & omissions I requested for augmentation of the record, this is defamation of character and it's injuring me financially. I've spotted many red flags regarding this matter such as : No consistency - Different staff or salespeople are telling you different things. 

Wont put it in writing- No one will give you clear information in writing, even when you ask for i I demanded the direct verification, and validation all data for this account, every notation, dates and balances, whether reported or not. I demanded proof as per Public Law No. 91-508 ( FCRA sec 605, 609, and 623 ). and to please verify and validate all data for this account, on top of it, if this is a collection account and the collector need to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. I do not recognize any of the charges on the account nor the account itself, it does not belong to me, I purge myself and my person ( s ) from any and all assigns for account listed herein, so be it, and I have yet to receive any proof or verification. their silence is acquiescence.
Product: Debt collection

CHOICE RECOVERY account NumXXXX I have XXXX unverified accounts from CHOICE RECOVERY. I had previously disputed this account. I have never done business withCHOICE RECOVERY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY and I believe it is a HIPPA Act violation. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Numbers XXXX
Product: Mortgage

Mid   XXXX  - I applied for a refinance loan throug h TD Ban k. My original mortgage was through   XXXX   XXXX  . At the initial application m y Homeoweners insura nce was through  XXXX  with a  XXXX  policy effective date.     During the closing process, I was able to get a cheaper rate through  XXXX   XXXX   XXXX  .      XXXX  I paid  XXXX   XXXX . in full with an effective date of  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I emailed TD bank and notified them of the change and provided receipt of Payment. Also, asked them to update the closing documents as no escrow accrual was needed since new policy was paid in full.     -- -- -Original Message -- -- - From :  XXXX   XXXX   XXXX   XXXX   XXXX    Sent : Tuesday,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   To : 'Jeffcoat  XXXX   XXXX   XXXX   XXXX  Cc :  XXXX  XXXX  XXXX  ;  XXXX  XXXX  XXXX  Subject :  XXXX  :  XXXX  Payment Receipt For  XXXX   XXXX  Hi  XXXX   ,  Please see the receipt of Payment on my homeowners, please let me know if you need any additional information.        XXXX / XXXX / XXXX  - Closing date. Closing document reflected a 5 month escrow at {$580.00}. I questioned this with the lawyer and he said  TD w ould notice this and refund the amount that was over escrowed at closing.      XXXX / XXXX / XXXX  - I asked TD to look into the insurance escrow - No response.      XXXX / XXXX / XXXX  - TD informed me the escrow was only looked at annually and I would need to wait a year to get my money back.     Original Message -- -- - From :  XXXX ,  XXXX  F [ mailto :  XXXX  XXXX  XXXX   XXXX  Sent : Wednesday,  XXXX   XXXX ,  XXXX   XXXX   XXXX  To :  XXXX ,  XXXX   XXXX   ;   XXXX ,  XXXX   XXXX  Subj ect : RE  :  XXXX  Payment Receipt For  XXXX   XXXX  I will let the closing manager know to reach out to you to discuss. They do not refund money out of the escrow account. Only the servicing department does that and they only consider these requests on yearly basis. Thanks.      XXXX   XXXX   XXXX   | Lending Team Manager  | Retail Credit and Loan Originations Mailstop :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  T :  XXXX  | F :  XXXX  NMLS ID #  XXXX   TD Ban k  , America 's Most Convenient Bank
Product: Debt collection

I received a prelegal notice from XXXX XXXX XXXX that I have a debt of at Comenity Capital Bank. They give me warning that if they do not hear from me or receive payment by this month, they will go to an attorney. 
For your information, I have never lent money to any bank. In addition, this pre-legal letter was the first mail I received from this bank. 
Therefore, it is obvious that my identity is stolen and used here. 
In this circumstances, I would like to request your help to stop this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXEquifax and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX 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, credit repair services, or other personal consumer reports

OnXX/XX/2017 I paid $XXXX toward my vehicle lease to Mazda Capital Services; however, they refuse to report this to the credit bureaus.  The amount of          $XXXX is still being reflected despite my numerous attempts to have this resolved.           I do receive a monthly statement from them indicating a negative balance.  Their refusal to correct this matter has put me in a higher debt to income ratio and it's preventing me from obtaining a home loan.
Product: Debt collection

I am a victim of Identity Theft and demanded removal of this debt. Theyre violating removed the debt and sold it to another company and reported it again to my credit report. This is illegal use of my information. I provided a letter of affidavit along with a 605b form from the FTC and a police report number from my local police department.
Product: Debt collection

I paid $ XXXX something which was the amt we agreed upon. She asked how i much i felt like i owed and that presented our agreement amt. She told me that this took care of the whole bill so i do not know where this amt is coming from. This debt originated well over 5 yrs ago but they keep selling it to new collectors. Should this not be removed based on the original date instead making it appear to be a new debt each time a new company gets it? I would greatly appreciate your reoresentation to get this resolved. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX - CLOSED ACCOUNT. Opened XX/XX/XXXX - Today, I contacted the number for XXXX XXXX from my XXXX credit report. I was told that the account is currently in collections for the balance, although it reports Paid/Closed. I was advised that I should contact the bureau regarding how they are reporting the account. I informed XXXXXXXX XXXX that the claim was filed with the CPFB. They stated that they notified the store of where the merchandise was purchased. They stated they would send the update to the credit bureau. They provided email on where to send screenshots of how it was reporting in my credit. I spoke to the manager, XXXX. I requested the email of the CEO and they did not have it. They stated that they only report to XXXX and XXXX. They werent sure on how Equifax reported when they dont report to Equifax . I disputed to the credit bureau in the past and was advised that the update was accurate information, although it is an inaccurate. For XXXX, the reinvestigation information was unchanged and the Dispute Took place XX/XX/XXXX. Equifax has been disputed in XXXX, XXXX, and XXXX with no result or update.