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

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have identified inaccuracies in my Equifax Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with Equifax. Despite my attempts to address the matter through mail communications, Equifax has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates Equifax 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and notice that i have some hard inquiries that i did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am submitting a formal complaint against FIG Loans Texas LLC concerning a collection charge-off inaccurately reported on my credit file. Below are the details of the disputed account : Creditor : FIG Loans Texas LLC Date of Charge-Off : XX/XX/year> I have previously disputed this debt with the credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX but they have failed to take corrective action. Furthermore, FIG Loans Texas LLC has not provided verification of this debt despite my requests, in direct violation of both federal and Texas state laws governing debt collection and credit reporting practices. 

Legal Violations Federal Violations : Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), I have the right to request verification of an alleged debt. FIG Loans Texas LLC has failed to comply with this requirement while continuing to report this debt to credit bureaus. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), any information that is inaccurate or can not be verified must be corrected or deleted from credit reports after investigation. 
Texas State Violations : Under Texas Finance Code, Section 392.202, I am entitled to dispute any debt reported on my credit file and require verification. Creditors must validate the debt or cease reporting it. FIG Loans Texas LLCs continued reporting without verification constitutes a violation of this statute.
Product: Credit reporting

Transunion is reporting a balance of {$1600.00} on an XXXX account. This is wrong the balance is {$0.00}.
Product: Checking or savings account

On or about XX/XX/2020, I purchased an item from XXXX. I paid for the item with my debit card via the merchants XXXX account. Because the item was shipped from over-seas, it took some weeks to receive, then I needed to purchase specific batteries for the item which took another week. After getting the batteries, the item did not work. 

I contacted them company listed inside the box in reference to returns or other issues. After about 30 minutes, they denied even selling me the item! Even though I gave them the order number and the email that THEY sent a confirmation of the order too! I also contacted XXXX who after about 4 days of messages back and forth, told me to contact my bank because they could NOT find the transaction either, so ... We contacted our bank, CapitalOne. The story gets worse from here. 

Fast forward to today ... CapitalOne has informed us that the case is closed, DENIED and in no uncertain terms, accused of us being LIARS about this whole issue! Capital One has told us the only way we can get a reversal is to " have the third party send to them on their letterhead that they sold us an item that was broken ''. WHAT? They wouldn't acknowledge the sale, you think they'd admit they sold us a broken item? 

To be clear, we sent in EVERYTHING to prove everything we was contending. Proof of purchase, proof of contact and our due diligence, and contacting XXXX and following their instructions. CapitalOne has literally forgot about their responsibility of consumer protections!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has an account that belongs to my XXXX and I have NO liability for this account as I am only an Authorized User and I was supposed to be removed as an authorized user. I submitted a dispute with the credit bureaus and XXXX XXXX verified it is correct information. As an Authorized User I have the right under the FCRA and Federal Law to be removed as an XXXX and the account deleted off my credit bureaus as I have the right to my own credit and I do NOT wish to be an Authorized User on my XXXX  XXXX XXXX XXXX card account. This is notice to XXXX XXXX that I want to be removed as an Authorized User from the account or my XXXX  XXXX XXXX of XXXX XXXX XXXX  will initiate litigation for any harm this has caused my credit and punitive damages for stress. ** I DO NOT WANT TO BE AN AUTHORIZED USER ON MY XXXX  ACCOUNT NOR AM I LIABLE FOR THIS ACCOUNT. We were XXXX  in XXXX  2021 in XXXX XXXX, XXXX. Her name is XXXX XXXX. The account listed has a credit limit of {$6300.00}. This needs to be removed immediately or my XXXX  will take action for XXXX XXXX failure to delete this account at my demand and federal rights.
Product: Credit reporting or other personal consumer reports

REMOVE THIS ACCOUNT ITS BEING REPORTED INNACURATELY. I HAVE REQUESTED THE 1099C AND NOONE RESPONDS.

15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in perso XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1900.00} {$1900.00} {$1900.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1900.00} {$0.00} {$1900.00} Credit Limit : {$1000.00} {$1000.00} {$0.00} Past Due : {$1900.00} {$1900.00} {$1900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax XXXX XXXX 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 Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1600.00} {$1600.00} {$1600.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

Chase has impacted my credit by sharing and selling my student debt with a third party company such as XXXX XXXX XXXX. This information reported by Chase has been inaccurate. My account was transferred from Chase to the XXXX XXXX Loans. This in turn has led to XXXX XXXX XXXX to continue to collect on my account even though it was never under their ownership. The XXXX has taken ownership of this account when it was with another other holders Chase, XXXX and XXXX XXXX XXXX. I have advised them of this. Most recently this agency is profiling me at this date of XXXX/XXXX/XXXX when this account is not assigned to them. My student loans are currently assigned to XXXX. That has not stopped XXXX from causing negative impacts on my credit by putting erroneous information on my credit reports most recently XXXX/XXXX/XXXX with XXXX and XXXX XXXX with XXXX They have attempted to start the this cycle over by putting recent negative late payments on my account when it is not in their ownership. In addition, Chase has reported negative errors on XXXX occasions on each credit report. This appears that I have XXXX accounts with Chase on my credit reports which is inaccurate. My student loans were consolidated into XXXX loan for over 10 years.
Product: Credit reporting or other personal consumer reports

I noticed that there were multiple addresses recorded on Equifax, XXXX, and XXXX. My correct address is the one indicated on the billing information I am sending you along with this complaint. There is also a misspelled name entry under XXXX. I tried sending them letters to request the removal of this incorrect information on my report, but apparently, they are still there as we speak. It has been causing me inconvenience whenever I apply for a bank loan or credit card because the creditors question me about these multiple addresses and employer information that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 I opened a XXXXXXXX XXXX  XXXX Mastercard. It went over the limit at the same time as several simultaneous severe impacts on my financial status. ie/ bankruptcy of XXXX XXXX , theft of my wallet and all associated cards and ID, fraud in the markets which held my investments, those stresses leading to divorce with half of the assets ending up with lawyers, loss of my home and all hard assets, loss of income and soft assets, etc ). 

As a result, I could not cover all of my very extensive and perfect 40-year credit records. 

I sold everything and paid off the major debts and was left with several small and seemingly insignificant ones and was put on the streets with a bag of clothing. 

That was MY mistake. I should have paid off the multiple small ones and left the large one since credit status is insanely treated on HOW MANY creditors there are NOT how MUCH credit is affected. 

The XXXX ( XXXXXXXX XXXX XXXXXXXX ) card was one of the unpaid ones. The account was closed, XXXX collected their insurance, the account was sold to a collections agency for likely {$0.00} on the dollar. That was reported as account closed and sold to Equifax and XXXX  BUT for the last 5 yrs, XXXX  reports the credit file EVERY SINGLE MONTH. This was also reported to the Credit Bureaus AND XXXX who still keep reporting the failed credit. Also, note that the card was opened and the debt incurred in XXXX which I understand to have a 3-year limit to collect or take to court after which the credit is extinguished and should be reported as such to the credit reporting agencies.

There are multiple errors and multiple failings, Also note that under XXXXXXXX XXXX  Consumer Protection Act ( where I now reside ), debt claimed which is not actually owed or is not reported to the client monthly requires that the credit granter pay the client TWICE the amount incorrectly claimed to be outstanding. 
All this was reported to both the collection agency AND XXXX  in a conference call and they promised ( as required by law ) to provide a detailed history and statement of the account. They have failed to do so and continue to file incorrect claims to XXXX  and Equifax AND the bureaus blindly accept obviously incorrect filings.

1 ) The credit bureau filings are corrected not only currently to date but retroactively to the date that the account was closed ( as reported NOT as claimed ) and transferred to the collection agency. 
2 ) The Consumer Protection act insists that monthly statements of debt and interest be provided. No such statements have ever been received from either XXXXXXXX XXXX XXXX nor the collection agency. Again, if that happens ( under the law ) the debt is extinguished. 
3 ) That Mr. XXXX is paid twice the claimed debt by XXXXXXXX XXXX XXXX as required by law as well as equivalent compensations from the collection agencies, XXXX and Equifax. 
4 ) That XXXX/XXXX/XXXX XXXX XXXX corrects similar failings on all accounts for all individuals affected ( ie/ class action ).
Product: Consumer Loan

Case number-XXXX.Thank you for taking the time investigate my current situation. Sure I have been late, so when I paid on XXXX/XXXX/2016 and I pay bi-weekly. I made a payment of one payment and as soon as I finished paying that payment. I get a phone call, not from their business number but from that personal cellphone to ask me why did n't I make two payments. To me I would think they use this tactic to get me to answer a call. So why did n't the person that took payment ask or tell me that. Their business ethics is far from professional. They are just money hungry. They also called me to say that my insurance had cancelled, when I just paid my insurance company on XX/XX/XXXX and the payment was due on XX/XX/XXXX, so I had to take time from job call the insurance and they advised me my insurance is up to date and not due again until XX/XX/XXXX and they did n't even contact the loan company to say the insurance was cancelled. I wish for them to Cease & Desist calls from them until this matter is resolved, but would like a record of my payment history after each payment mailed my address.
Product: Student loan

My additional loan payment was incorrectly applied despite my explicit instructions to allocate 100 % of my additional payment to the loan with the highest interest rate. I made an additional ( extra ) payment of {$180.00} on XXXX/XXXX/2016, which I specified be 100 % applied to loan token # XXXX. The amount applied to principal was only {$200.00}. On XXXX/XXXX/2016 I also made an additional payment of {$180.00} to that same loan ( # XXXX ) and the amount applied to principal was {$200.00}. 

As is typical for any loan, the payment amount applied to principal increases as the loan matures. This can be confirmed by referencing the amortization schedule for the loan. 

Please explain how I am making additional payments and the amount being applied to the principal is less than the month before.
Product: Debt collection

I disputed this debt and on XXXX the agency removed it from my credit report. This company runs under many different names. I would get letter stating again, that I owe the debt. I would write back as required within 30 days stating I do not owe the debt, and requested proof that I owe it. I never received the proof, because I do not owe it. I sent the last letter out to their address and the letter was sent back to me, the letter was requesting proof that I owed the debt. Now, again, on XX/XX/XXXX, they are once again reporting it on my credit report. Mind you that this debt is from more than 5 years ago. They are reporting it as new, when it is not. In the state of Nebraska the statute states that the statute of limitation is 4 yeas, and mine falls under that category. I have explained to them I do not owe the debt, and the debt I had, I paid to the original creditor. Also, that I never lived at the address one of the services were provided. I am tired of this company reporting to my credit, and sending me letter from their sub companies in order to obtain money I do not owe. I have once again disputed with XXXX, and have decided to file this complaint. They have shady tactics to obtain money from a debt account they purchased. Originally it was with SW Credit Systems, I disputed it with them as well, then they " sold '' my account to XXXX XXXX, Or XXXX, and its subcompanies. I need them to stop and not to " sell '' this account to someone else so I can go through the same thing all over again.
Product: Debt collection

This debt is cellphone bill. When I contacted the company that is attempting to collect the debt, they sent a contract that did not belong to me. I wanted valid proof that the debt belonged to me. The contract they sent to my address was a different person on the contract and in a whole different state. I called the company but nothing has happened.
Product: Mortgage

For several months we have been writing to Planet Home Lending to request that our Private Mortgage Insurance ( PMI ) for our FHA loan be removed because the mortgage has been paid for a minimum of 5 years and the loan to value is 78 % of the initial sales price or appraisal, whichever was lower. 

On XX/XX/2020, we received a letter from Planet Home Lending stating that our FHA loan has met all of the requirements pursuant to FHA guidelines to remove PMI. The letter further stated that the last PMI payment was due in XX/XX/2020. 

On XX/XX/2020, we saw PMI was still included in our monthly mortgage payment, which was automatically withdrawn from our checking bank account. We called Planet Home Lending and we were informed that the PMI review process has not even been started. When we indicated that we had a letter dated XX/XX/2020 stating the opposite, she said it did not matter because there was a one payment in arrears. We were never informed at any time that there was an arrears or that FHA criteria included such as a requirement. 

Our mortgage company is not honoring their agreement as stated in their XX/XX/2020 letter that we met all of FHA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have 2 collection accounts with Midland credit collection agency. These accounts are 5+ years ago! I have disputed them several times, I have hired an attorney, I have worked with credit repair companies. I have talked to all 3 credit Companies, but the company continues to inaccurate information. I have had both accounts removed several times from my credit reports, to then just have them put back on months later after removal. Showing back up as a new collection account. 
Now they are showing on a monthly basis. Even though I know they can still send in information every month to the credit bureau 's. They can not put it as a new collection! just now 30 days late when it's been 6 years. Also, they have the second debt that I have with them that after 5 years, they decided to add a {$170.00} to it. To make it also look like a brand new collection debt.

This is harming me significantly by not reporting accurately.

My credit score has dropped over XXXX points in 2 days because of it. 
I was NEVER NOTIFIED that Midland was changing the amount, or reporting as a new debt! I'm requesting immediate action to remove these accounts permanently from my credit reports!
Product: Mortgage

On XX/XX/XXXX a letter was sent to me that outlined what M & T Bank described as an Escrow Shortage which would amount to me paying almost an additional {$500.00} in my Mortgage payment. 

From looking over the paperwork nothing made sense. All of my payments from when I purchased the home have consistently been paid in full and on time. I could not understand how there would be a shortage in the escrow if all payments have been made. 

I reached out to speak with them about it approximately XXXX XXXXXXXX XXXX  to get an understanding as to why I was being charged this huge amount. Their response was " It is based on an increase in your insurance. '' When they told me it doubled, I factored that in and my insurance would then have an increase of approximately {$100.00} a month, and not {$500.00}. After telling them this they said they would research it and put me on hold for a very long time. I could not wait so let them know I would not be paying what I considered to be an over-inflated increase. 

I called their automated system to make a partial payment on XX/XX/XXXX but the system would not allow me to complete the transaction. I then called that Monday on XX/XX/XXXX and was told that they would not accept Partial payments. After letting them know the increase I was being charged was far more than the increase in my Homeowner Insurance, they then told me it was based on Projections. 

I then wrote a Notice of Error Letter to them on XX/XX/XXXX and received a letter from them stating they will get back to me in 30 days, possibly 45. 

As of today, they are still not allowing me to make a Partial Payment. They do have a line for XXXXXXXX XXXX XXXX that I called XX/XX/XXXXXXXX XXXX XXXX XXXX, but after waiting 18 minutes, the phone system transferred to a department that could not help me with it. The rep. I spoke with told me she would transfer me to the line that offered assistance, but I told her I just called that number. She claimed the line rolled over to her 's. I told her I was tired of holding and she said I would not have to, transferred me, and I was put on hold again. 

I can not afford this Mortgage. It is not what I signed up for.