23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I entered into a law suit with XXXX XXXX XXXX in XXXX and it was finally settled in XXXX XXXX. During that time the XXXX Court in Georgia ruld that I would make all my monthly payments to the court clerk 's office and not to XXXX. I made XXXX on-time payments and they still appear as late on my credit report.The agreement states they had to rescind the foreclosure and it still appears as a foreclose. For the past 6 weeks I have been trying to get XXXX to resolve it and I keep getting the run around I have documented that the payments were on time.If they had not been made the case could have been thrown out, I just want it reported accurately. They had 7 months to update the credit accurately and they have not updated anything. The court ruled they would receive my payments at settlement and they received the payments XX/XX/XXXX. XXXX now need to report it accurately as well as remove the foreclose. Every time I call I get a different story they told me the agreement does n't state they have to do credit repair but should n't they have to be accurate for a change? They are still looking into it! I was told I would get a call back yesterday, I did not when I called they said the person was out unexpectedly. It is always some reason. I just called again and got nowhere! 

I have attached the emails between the attorneys discussing this issue before the agreement was approved by the court and a few of my my payment receipts from the court. We signed the agreement XX/XX/XXXX, they got there money the same day and then it took 5 months to complete there side of the agreement. XXXX is an awful company!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised in XX/XX/2007 and there are numerous items on my credit report that were not created by me or have been satisfied. XXXX XXXX XXXX is stating I owe {$13000.00} but that account was not opened by me. Also XXXX XXXX is reporting that I owe approximately {$1400.00} and that debt was satisfied. There are also 3 additional accounts I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX   XXXX XXXX. I would like these incorrect items removed from my report immediately as one has been satisfied and the rest coincide with the identity theft from XX/XX/2007. I am an individual of integrity and satisfy my debts when I originate them. I have tried to get these items removed through the reporting companies with no success.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. 

I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX XXXX, XXXX Equifax : XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to the phone conversation which took place on XX/XX/year> ( XX/XX/year> ) regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested with evidence that I have any legal obligation to pay you, including the following documentation : XXXX. Agreement with the creditor that authorizes you to collect on this alleged debt. 

XXXX. The agreement bearing my signature stating that I ( XXXX XXXX ) have agreed to assume the debt. 

XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges. 

XXXX. Proof that the Statute of Limitations has not expired. 

XXXX. Complete payment history on this account along with an accounting of all additional charges being assessed XXXX. Proof that you are licensed to collect in the state of XXXX XXXX, and your license numbers and Registered Agent. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) this action May constitute fraud under both Federal and State Laws. 

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your company for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX I got no response within the 30 days. I checked my credit report on XX/XX/year>, and this company has now placed a charge off in the amount of {$6500.00}. As of XX/XX/year>, my credit report is displaying this charge off. I have been disputing it with all three credit bureaus, Experian, XXXX, and XXXX. I've been disputing this with the bureaus for over three years. I never opened or signed for a XXXX credit card ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX {$3500.00} Account # XXXX, XXXX XXXX AUTO Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX {$2500.00} Account # XXXX, XXXX {$2800.00} Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, have 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

Upon recently investigating my credit report from all 3 bureaus, I found an item that has caused XXXX XXXX and stress. This item, a collection action/account named as CCS ( Credit Collection Services ) is inaccurate, unverifiable, invalidated and questionable. The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. This account is not verified ; the Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Checking or savings account

I filed a dispute with Huntington bank on XX/XX/XXXX for the amount of XXXX $ that was unauthorized and stolen from my card they issued me temporary credits but wont let me get my money at the branch My social is XXXX I dont have account or routing number
Product: Debt collection

Conns is calling me at XXXX collecting a loan payment that is only a 5 days late and it 's only late because I 've been traveling for work.
Product: Debt collection

I was contacted by a man named XXXX XXXX ( ph.XXXX, fax. XXXX, email.  XXXX ), stating that he was from a company called XXXX XXXX ( XXXX ). He claimed he was going to help fill out the forms needed to reduce my student loan debt. The emails that came from him has an additional company name of XXXX XXXX. I asked him what that company name was, he claimed it was the parent company for XXXX XXXX. After he took my information he told me payments would be through a 3rd company called Equitable Acceptance. They are to change me about {$1500.00} for a form I fill-out for free every year with the Dept of Education. I decided to cancel the service via sending the cancellation documents to the address on the forms : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I was contacted by XXXX XXXX on XX/XX/XXXX, the cancellation was to be received by XX/XX/XXXX. Paperwork was mailed the XX/XX/XXXX to be received by XX/XX/XXXX. My letter was returned to me on XX/XX/XXXX by the USPS stating the address was " Undeliverable and Unable to Forward ''. Phone numbers for XXXX XXXX and XXXX XXXX ( ph.XXXX ) are disconnected when you call them, I have tried on my cell phone and landline numbers to reach them. I believe XXXX is actually a front for Equitable. I contacted Equitable Acceptance and was told they " did not receive the cancellation information before the due date '' I have documents proving I attempted to cancel within the timeline, I have emails from the offending party and text messages from Equitable. I also have additional phone number and emails from others involved with My XXXX  XXXX : XXXX XXXX ( ph.XXXX, Off Ph. XXXX, Fax XXXX, email. XXXX ) and XXXX XXXX ( ph. XXXX, email. XXXX ). I contacted the Dept of Education and they are aware of the fraud, advised me NOT to pay them, to contact BBB and Attorney General and them. As of today, I have submitted complaints to both the BBB, the Maryland Attorney General and the Federal Trade Commission. Equitable reached out in the BBB claim with a general auto response and disconnected phone number to contact XXXX. I have had to put a freeze through all three credit bureaus as well as filed fraud claims, however XXXX and XXXX state that Equitable Acceptance is already showing on my credit reports.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Mortgage

Spoke to customer service with my mortgage servicer XX/XX/2021, I was told my request for mortgage assistance was still being processed but they had not postponed the property foreclosure sale date for my property. I was informed by customer service Carrington Mortgage, sale date would be postponed while the mortgage assistance request was being processed. I'm being given misleading information by Carrington.
Product: Bank account or service

Several months ago I moved and attempted to update my address with PNC bank. The initial request on their website did not go through. Around the same time I filed for several chargebacks for unauthorized charges. Because of this lack of change in address and the very short periods of time that they expected me to reply in ( From the time that it was received at my old address I often had less than a day to respond if the date had already not passed ). I thereafter contacted PNC on at least XXXX separate occasions requesting that they update my address - Via phone, mail, online, and in person at XXXX of their branches - My address has still not been updated more than XXXX months later. Because of this I have was unable to complete the disputes " in a timely fashion '' and they were closed. In addition these disputes are now ineligible for me to file again because the XXXX filing period has passed. As such I am now out over {$2500.00} because of their mistake - They have now closed the account and are attempting to collect this amount ( The provisional credits for the disputes were reversed because of a lack of a timely response ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights as a consumer. 

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

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

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1692 d ( c ) states that its a violation for advertisement for the sale of any debt to coerce any payment of debt.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with MIDLAND CRED plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX/XXXX/XXXX I called XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX at telephone number XXXX about a collection on my credit report I spoke with a rep by the name of XXXX that stated he could not hear me I asked him to hold while I adjust my phone he hung up on me. I then called the same number back ( XXXX ) again and spoke with a XXXX XXXX that first asked me the spelling of my last name then first name and then my date of birth. I told her that I had a copy of my credit report and it had her company listed and I was not familiar with that company nor did I owe that company. She stated to me that her company purchased my account from XXXX XXXX XXXX for a XXXX XXXX that I received on XXXX/XXXX/XXXX. First of all I never received a XXXX because the wait was long I left the hospital, so the hospital charged the insurance company for service I never received, needless to say then supposedly send me to a collection company for service or something that I never heard of. I asked her if she could send me verified documentation with my signature and social security number to verify what she saying is correct and she said that she would not have that information. I then stated to her unless she could verify that I owe her company {$1300.00} the collection from her company should be removed from my credit report immediately. She refused and stated that the amount and debt was valid. I told her that I never received any services from XXXX and she again stated that I received a XXXX XXXX. If I would have received any service for the collection company to know what service a hospital provided if any were provided is against HIPPA violations so for that reason alone and the fact that I never received any services and nothing can be validated I am requesting that again XXXX XXXX remove this insane debt off of ALL XXXX OF MY CREDIT REPORTING AGENCEIES ( XXXX, EXQIFAX, XXXX ) it 's  damaging my credit rating and causing me hardship of not being able to purchase my home. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership I was told that my credit would only be pulled by one company however multiple companies pulled my report without my authorization resulting in me having multiple hard inquiries without my consent. 

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

I am suffering a hardship and dealing with raising my nephews whom were displaced as a result of Hurricane Michael this past XX/XX/XXXX. One has been sick and I was in the hospital recently as well. I got {$72.00} in fees for a {$17.00} shortage. Outrageous! I am asking for a refund of the fees.
Product: Credit reporting

In XX/XX/XXXX, I received a XXXX, Cancellation of Debt form from The XXXX XXXX XXXX. That year I paid taxes on the " cancelled '' {$21000.00} debt as required by the IRS. Today I discovered that, although " cancelled '', the debt remains on my credit report for 7-10 years. WOW! ok so I 've paid taxes on this debt as income and I 'm still held responsible for the debt - something that no one at the Bank ever mentioned. So what were those taxes for? I did n't get income and I still owe the money. When I received notice of the XXXX I was relieved, but called to make sure that it was real. The Bank XXXX XXXX XXXX XXXX XXXX told me that they had decided to get the debt off their books and stop spending money trying to collect it. I 'm female and XXXX XXXX XXXX, XXXX and I do n't make enough to pay my bills. I have n't had a full time job since XX/XX/XXXX ( not for lack of trying ). I 'm not proud of having that amount of debt and have not debted in many years ( the debt was from several years before XX/XX/XXXX ). I just thought that Cancellation of Debt was cancellation of debt. Its a shock that it 's not that at all. Can you help? Thank you.
Product: Debt collection

I received notice through XXXX XXXX  that I have a derogatory mark on my account effective XXXX XXXX 2022 from Wakefield and Associates. Original creditor XXXX XXXX California. I have no idea what this is and have not received any notification of this due balance.
Product: Payday loan

i keep getting phone calls everyday from speedy cash they have already called XXXX times so far this month it started in XXXX of 2015 XXXX calls were made too us XX/XX/XXXX XXXX calls were maded too us XX/XX/XXXX XXXX calls were made too us the number is XXXX their saying their speedy cash
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 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX XXXX add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding officer station my location and area operation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX and i reside at XXXX XXXX XXXX XXXX ohio XXXX the following information is fraudulent and i expect that it be removed from my 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 , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX I'm trying to conduct personal business and these matters are holding me up. 
I traveled from XXXX for residency on or around the summer of 2018. I recently was trying to obtain an account and checked my full credit report. At that time I saw medical accounts and other debts fraudulently billed to me and also a report from a XXXX checking account in XXXX XXXX unbeknownst to me. Someone has obtained my personal information and i'm not exactly sure when or how but i'd like to rectify this situation. Here are the account reference numbers : XXXX XXXX # XXXX, # XXXX US DEPT OF EDUCATION # XXXX, # XXXX XXXX XXXX, # XXXX XXXX # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX