23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The defective product was returned to XXXX. Without a membership the product will not work. The collection tactics have been harassing and my ex husband was called. They call me 3-4 times a day, send texts and emails. No balance owed. Debt should be removed from my report.

I am disputing this debt accuracy, This account is closed & settled & was sold to collections without my consent. I have received harassing calls & mail it's required by the Fair Debt Collection Practices Act ( FDCPA ) to remove inaccurate reports. 





CEDARS BUSINESS SERVIce XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX XXXX denied me housing for the following reasons * Unable to verify income - I sent my XXXX statements along with a spreadsheet breaking down payments * Garnishment, attachment, foreclosure, reposession, collection action or judgement - I had none of these that I was aware of and was not given an opportunity to explain anything on my report. I did end up having a collection which is due to a California Bank failing to apply GAP insurance payments for a car that was " totaled '' to my loan. I am filing a separate complaint on the bank.

* Delinquent prior or current credit obligations with others - This is false, I had a clean credit report and the bank where I financed my vehicle actually lowered my rate from over 20 % to around 15 % due to a clean credit report.

* Unfavorable payment history with another apartment community.

- This is false. I terminated a lease early with the property owners permission due to getting shot at by drug dealers who were selling drugs across the street.

* Prior eviction proceedings.

- This is false, I have never undergone eviction proceedings that I am aware of.

I also called TransUnion XXXX XXXX who provided the rental application and they verified that there were no evictions on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint to the XXXX, Equifax, and XXXX 's legal team. The credit bureaus are in violation of the FCRA for refusing to provide me with copies of my credit reports and reinvestigation results as promised in their responses. The credit bureaus legal team also failed to provide me with information on how the reinvestigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. XXXX continues to report the collection account for XXXX XXXX XXXX although XXXX and Equifax has deleted the inaccurate information. XXXX is reporting inaccurate information on the account with XXXX by failing to report {$1600.00} credit limit. XXXX is reporting inaccurate information on the account with XXXX. The company has failed to report the {$3200.00} credit limit. The credit bureaus legal team stated that the accounts are verified, but refuses to provide the appropriate account-level documentation with is a violation of the FCRA Section XXXX ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX : XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a product owned by TransUnion or TransUnion XXXX. 

My " Term and Termination '' agreement states I can close my account, by contacting TransUnion XXXX via the toll-free number set foth on the web site for cancellations However, no where on the XXXX site is a telephone number listed, nor is a Cancellation icon present I have called TransUnion multiple times, asking for the correct procedure to close my XXXX  account and am always told XXXX is a separate company and they do not know how to contact them I have also asked, when I called TransUnion, how to contact TransUnion XXXX, and am told that is a separate company and they do not know how to contact them Doing online searches for both the XXXX telephone number and the TransUnion XXXX telephone number only leads to frustration, since all numbers route back to TransUnion Here is my XXXX   agreement : Term and Termination ; Modification This Agreement will take effect at the time you click " I Accept, '' and shall terminate ( a ) when the member cancels his/her membership by contacting TransUnion XXXX via the toll-free number set forth on the web site for cancellations, or ( b ) upon termination of your membership or ( c ) if TransUnion XXXX discontinues providing any membership, subject to your right to receive membership benefits that you have paid for or to obtain a refund of a portion of your payment. 

TransUnion XXXX products shall not be used in a manner that defrauds or otherwise abuses the credit reporting or credit scoring systems. TransUnion XXXX has the right to suspend or terminate your use of any product or access to our sites if we determine, in our sole discretion, that your use of our products has abused the credit reporting or credit scoring systems. Further, you agree that TransUnion XXXX will not be liable to you or any third party if TransUnion XXXX suspends or terminates your access for any reason. 

TransUnion XXXX may ( i ) change the terms of this Agreement or the feature of the membership products, or XXXX ii ) change the Site, including eliminating or discontinuing any content or feature of the Site, restricting the hours of availability, or limiting the amount of use permitted, by posting notice of such modification on a page of the Site before the modification takes effect. All changes shall be effective immediately upon posting of such notice. If you use the Site and/or your membership after TransUnion XXXX has notified you of a change in the Agreement, you agree to be bound by all of the changes. You are expected to review the Site periodically to ensure familiarity with any posted notices of modification. 

Notices You should send any notices or other communications regarding our Site, your membership, products or services to TransUnion XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 

XXXX is a trademark of TransUnion XXXX XXXX XXXX, a XXXX XXXX based in XXXX XXXX XXXX, California.
Product: Debt collection

This company Palisades collection is suing me for {$4700.00} this Debt is from XXXX/XXXX/2008 the statute of limitation for nys is 6 years This Debt is over 8 years old they never contacted me on this matter until i got a summons telling me they are going to take income execution on my wages. I have read that under the FTC and NYXXXX statute of limitation is 6 years in NYXXXX. I was never contacted about going to court on this matter or would have and fought this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is on my report and it does not belong to me it was opened fraudulently in my name. 

XXXX XXXX XXXXXXXX XX/XX/13 XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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: Mortgage

I along with my fiance applied for a VA mortgage in XXXX of this year with Southwest funding mortgage loan officer XXXX XXXX. We informed her we thought we had to be married to use the VA benefit. After submitting the requested documents and having our credit checked we were given a pre-approval amount of {$400000.00}. XXXX assured us that we would both be on the VA loan even though we were not married. We finally found a home in XXXX and our realtor submitted the contract to XXXX with a closing date of XX/XX/2021. We paid {$1000.00} earnest money and over {$600.00} on general, termite and plumbing inspections as well as {$100.00} option fee. Throughout the whole process XXXX was slow to respond to our phone calls and text messages. She was constantly trying to avoid our calls and often text us saying she was on a conference call or other phone call. When we were finally able to speak to her she assured us everything was ok. Our realtor and the seller 's realtor spoke to XXXX because they felt that things were moving too slowly. XXXX assured both realtors that everything was going to be approved by underwriting which was a blatant lie. A couple days later XXXX advised us that her company was moving slower than anticipated and stated she didn't think her branch manager was doing a good job. She stated she needed more time as we were already a week from closing. We spoke to our realtor and decided to ask the seller for an extension. A day or two later XXXX advised me I would need to remove the credit collection disputes from my credit report by contacting the credit reporting agencies. I asked her why she was just now telling me this if she ran my credit back in XXXX. She said she noticed it then but did not think it was too big of an issue. I immediately contacted the credit reporting agencies and had my disputes removed. I let her know I had completed this and was then informed my debt to income ratio was too high. I was told I would need to contact the collection agencies and ask them to adjust my reported monthly payment to show a lower number other than the full balance. This too should of been seen at the time my credit report was first pulled and not days before the original closing date! XXXX stated it could take up to 60 days for my credit report to be updated. My fiance was informed by the branch manager it would be better to remove me completely from the loan to have a better chance of getting the loan done which was completely out of the question. We feel that we were deceived by XXXX throughout this entire process and our realtor believes the same thing. We feel we were misled and strung along in the hopes of them being able piece together a deal in the end. This company is only looking at the profit they can make and definitely did not have our best interest at all. So now we are out over {$1700.00} due to our earnest money not being returned by the seller and the cost of the inspections. As a XXXX XXXX XXXX and member of the XXXX military, I don't have money to burn and losing this amount of money hurts a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX.
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ) ACTIONS TAKEN BY ME ( CONSUMER ) ALLEGED DEBT : {$900.00} DEBT DISPUTED I sent a demand letter via USPS Certified Mail, dated XX/XX/year>, requesting debt validation for the alleged debt associated from the collection agency and the building 's property manager. 

I received a response from the collection agency on XX/XX/year>, including an itemized statement. However, the statement lacks the necessary details to verify the accuracy of the debt. Additionally, my demand letter sent to the property manager via certified mail was returned. 

The collection agency 's first contact with me was on XX/XX/year>, it was a brief phone conversation. Because the collection representative abruptly ended ( disconnected ) the call, and did not follow-up with me to provided any documentation within the required five days after that phone call. Subsequently, the alleged debt was later reported to my credit report without providing me any debt notice or debtor 's rights notice to dispute, as mandated by the Fair Credit Reporting Act ( FCRA ). 

The FCRA guarantees fairness, accuracy, and privacy in credit reporting. The lack of detailed information in the provided statement hinders my ability to verify its accuracy, and reporting the alleged debt without validation constitutes an invasion of my privacy. 

I have notified the credit reporting agency, and my account is currently marked " Dispute Under Review. '' No files will be uploaded due to the facts all documents sent by me contains personal information but will be furnished upon request.

Sincerely, The Consumer
Product: Debt collection

Police report XXXX is attached. TD Bank/Nordstrom has willingly ignored police reports and have been in noncompliance of the laws and negligently reporting inaccurate credit reporting information to the credit bureaus. Section 605B protects consumers from fraud and identity theft yet the creditor has willingly broken the law and has refused to respond via the CFPB to these claims. Please send back to the original credit as they are not following the law. Also cease and desist all forms of communication as this debt is not valid.
Product: Debt collection

I received a written demand from ERC on XX/XX/2020 with details as follows : *Reference number - XXXX *Alleged original creditor - XXXX  XXXX   *Amount demanded - {$78.00} I responded in writing in a letter sent by certified mail to the address accompanying the demand ( XXXX XXXX   XXXX, XXXX. XXXX, XXXX, PA XXXX ). In the letter, I gave written notification that the debt is not mine, requested an accounting, and gave details on when and how to best reach me. 

According to the information received from USPS that ERC refused to accept the letter, and it was returned unopened. 

Such refusal appears to be a bad faith tactic to frustrate efforts to invoke the protections and rights of state and federal consumer laws.
Product: Mortgage

I had made a payment arrangement to pay taxes on my property to XXXX XXXX in person. Loan Depot came in and paid not only the taxes due on the property but over a years worth of taxes ahead saying that they were setting up an escrow account. Not only did they add double the amount of taxes to that escrow account but they also charged me {$7300.00} ( a years premium ) for insurance for which I already have and paid for. They never have sent me any paperwork regarding the insurance that they supposedly got for the property and charged me for. I have a policy with XXXX insurance currently on this property. These actions have caused my mortgage payment to jump from {$1800.00} per month to over {$4100.00} per month because of the mandatory impound account. The biggest issue is they will not allow you to pay less than the amount that they say is currently due. They are saying that I owe them 2 months payments of XXXX which is around {$8300.00} with the additional fees. They are not allowing me to pay the {$4100.00} they are saying that is late. They will only allow you to pay the full {$8300.00} or nothing. This basically insures that their victims can never get caught up.
Product: Credit reporting or other personal consumer reports

Hard queries have been made that were not authorized by my XXXX XXXX XXXX date XX/XX/year> XXXX XXXX XXXX date inquiry XX/XX/year>XXXX XXXX XXXX date inquiry XX/XX/year> XXXXXXXX XXXX XXXX Date inquiry XX/XX/scrub>XXXX XXXX XXXX date XX/XX/year>
Product: Credit reporting

When a corporation, bank or any institute checks on a credit rating, and then denies XXXX because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past 5 years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. This country will soon fall to other countries like XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the XXXX will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the XXXX people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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 or other personal consumer reports

XXXX, LexisNexis, & XXXX or reporting incorrect information onto my consumer report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX GA XXXX there should be no other information listed on my report it is not correct. Send me an updated report listing my information correctly or risk being sued for damages.
Product: Credit reporting or other personal consumer reports

Ive identified billing errors on my credit report. The late payments reflected don't match my regular payment behavior. Please correct these mistakes and update my account.
Product: Credit card or prepaid card

This card is closed and being sold to another Debt collector, and is being reported on my credit report as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Where I set up a payment plan with AMEX I was drafted for a payment XXXX XXXX at XXXX spoke with AMEX they were sending me Non payments telling me that I was late and I was also being reported to credit bureau XX/XX/XXXX XXXX XXXX Called again stayed on hold for 1 hr to have the issue resolved. I continued to get calls saying that I have not paid however but I am paying. Previously when I spoke with AMEX they told me that there was a glitch in their system at Amex and that is why I was getting this problem and that I needed to call back to get reenrolled. When I call back they are unavailable when I am off work. I am trying to get a new job and improve my credit score. I did a dispute through XXXX XXXX ; however American Express responded it was my error. This is clearly not my fault as my brother had a near death car accident and had to live with me and I lost my job that is why I called and asked for help. 
Below is where AMEX has been drafting me for the plan that they said they were putting me in. I am requesting that this be fixed on my credit score. 
Thank you.. 

XX/XX/2022 Paid XXXX XXXX {$190.00} XXXX XXXX, XXXX  Paid XXXX XXXX {$190.00} This payment has been posted to your account. 
XX/XX/2022 Paid XXXX XXXX {$190.00} CONFIRMATION XXXX STATUS This payment has been posted to your account. 
XX/XX/2022 XXXX XXXX XXXX {$270.00}
Product: Debt collection

While reviewing my credit report I noticed a charge off account from XXXX XXXX. I have never had an account with them. The information on my report read their name, no account number, no payment information, just 90-day late payments, there is also a balance for {$110.00}. No other information could be found. So, I called the customer service number on the website and was transferred to the credit department. I was repeatedly asked for the account number and order number, when I was unable to furnish this information, I was transferred without notice to another agent. This happened three times. I finally was asked again and when I could explain the situation, the young lady told me to fill out an application for fraud on the FTC website and mail it to them. Well when I explained that the site is down due to the government shut down. I got an oh well is there anything I can do for you response. I asked if she could provide me with information that validate the account was mine or even an account number she said no and to dispute with the bureaus and file the claim for FTC. They wasted 20 minutes of my time by placing me on hold and transferring me to agent to agent without notice and still could not verify or provide me with any information. Please do not contact me through email, mail, or phone. All contact is to be made via this website only.
Product: Debt collection

Allied Collection Services a third party debt collector posted a balance of {$7600.00} on XX/XX/XXXX and which had been updated to {$8100.00}! I was not informed that I owed them and that I was obligated to pay them money or that my potential debt was taken over by them, I asked them for an accurate check of the debt and balance to make sure that it was mine and that the correct balance was mine and never got either! They reaged this supposed debt so that it can effect my credit without even given me notice or a chance to go over it with them and possibly pay. Numerous of my dispute letters have not been answered back and I feel its attempt to show that Im not compliant and to get me to pay a outrageous debt by default hoping that I dont perform the steps necessary in order to settle this matter. I called the original debtor to confirm balance owed in which they wrote it off and charged it off, before this debt collector baught it and the balance when it was wrote off was not near but the third party is trying to allege.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent accounts below have violated my rights : Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX OF XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I found out i am being sued in small claims so i call there lawyer to find out about it and he some how has to have the one colling the debt call me back so tells me he is just filling claims in hope of a default