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

ACCT # : XXXX, XXXX, XXXX, XXXX SSN : XXXX DOB : XXXX/XXXXXX/XX/XXXXID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX, I recently received a debt collection notice from your office with an account number XXXX, XXXX, XXXX, XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of all My credit reports and noticed that I had a fraudulent account on them. Please remove this XXXX account from My credit reports. I've been doing My due diligence on being a worthy person to obtain good credit and this is hurting my ability to do so. 
Thank You Kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Checking or savings account

On XX/XX/22 I received checks from TD Bank for two accounts ( last four of acct XXXX and XXXX ) in the mail but I dont have any accounts with TD and certainly didnt order checks from them. 

Checks had on them my correct address and correct cell phone number I had recd texts from td In the week prior but thought they were spam and deleted. 

In the Fall ( XXXX / XXXX ) my brother same last. And told me he kept receiving emails about me opening accounts. At that time I called TD and alerted them of problem.
Product: Consumer Loan

I secured a loan with Dependable Credit on XXXX/XXXX/15 and began having trouble with the car immediately. I spent over {$2000.00} on repairs in the 1st month of owning the car, but because it had over XXXX miles I was not able to return it due to lemon laws. 

Feeling stuck and with a credit company that is relentless and unbending and unwilling to make any concessions. I worked hard not to damage my credit but they would n't approve a deferment or anything. Always threatening to repossess the Acura MDX, even though I was n't more than a few days late. 

Finally I had enough I went to another dealership and wanted to trade in the car for a smaller car a Nissan Altima just to get away from this company. To add insult to injury the representative from Dependable Credit, was charging me an interest rate that we never agreed to and then provided the new dealership with false info for my pay out. When confronted with the details I advised here to please send the corrected info, she refused advised that she needed to keep my business. I advised her that not up to her and I no longer wanted to do any business with her anymore and to please provide the correct details. This business practice is unfair and must be illegal this company should be investigated. They reported to the dealership that I owe XXXX on the loan which is the original amount of the loan itself. Then sent me an invoice for XXXX - and had a payment from me that made even this amount lower. They wont release me or allow me to pay off this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/20, I wrote disputing these inaccurate items I just discovered on my report. I recently pulled a copy of my report after being notified my information was impacted by the XXXX data breach. To this day over 60 days later I still haven't received information on the status of your investigation. I starting to feel like Im just another number caught on a hamster wheel. Im asking you to investigate these inaccurate and erroneous items and delete if you can not verify these. I have enclosed the items again for your assistance.
Product: Credit reporting

XXXX accounts are being disputed as not having a contact with those companies. All I received in return was a page that said updated information and an account number. I am looking for this debt to be VERIFIED AND VALIDATED. I need proof that these accounts belong to me, and that I signed up for them.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to properly investigate inaccuracies on my credit report. Despite multiple disputes submitted to Equifax, I have consistently received responses within XXXX hours stating that the accounts in question are accurate. However, these responses fail to provide any evidence of a thorough investigation into the disputed information. 

I believe that Equifax is in violation of Section 1681i of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information on their credit report. Specifically, this section mandates that the agency must : Conduct a reasonable and thorough investigation of the disputed information.

Provide the consumer with the results of the investigation and an updated credit report if the dispute results in any changes.

Notify the data furnisher and request documentation to verify the accuracy of the reported information. 
Equifaxs repeated failure to provide evidence of a proper investigation or to supply supporting documentation for their findings suggests a lack of compliance with these requirements under Section 1681i. This has resulted in the continued reporting of inaccurate information on my credit report, which I believe violates my rights under the FCRA. 

I am requesting that Equifax conduct a full and proper investigation into my disputes and provide the necessary documentation to support their conclusions. If Equifax fails to correct the inaccuracies, I will be forced to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Mortgage

I have been making my payments monthly with a direct debt from my checking account and sent to my mortgage loan servicer for application to my mortgage. 
In the past when my payment amount changed due to an escrow analysis I continued to payment my old payment amount. When I received calls from my mortgage servicing company they would provide the dollar amount I need to pay in order to become current and I paid that amount. However, now they are saying that I am a full monthly payment behind, and I am not. 
I have attempted to explain my payment history and requested supporting documentation from my mortgage servicer and I do not get the information I have requested and my email send to the XXXX XXXX at LoanCare has gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
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

My name is XXXX XXXX. XXXX ... .I have been a victim of Identity Theft and there are fraudulent accounts being reported on my credit reports. This has been an ongoing problem and I have taken all of the proper steps to remove these fraudulent accounts and protect my identity yet I am getting no response or help from either of the XXXX Credit bureaus ... .EXPERIAN XXXX XXXX XXXX TRANSUNION XXXX I have proven that these accounts are fraudulent... .sent in police reports and Identity Theft affidavits... .the privacy laws set forth by the XXXX to protect me the consumer are clear but as you already know... Credit is big business and the Credit bureaus doesn't have the consumer in their best interest per your report the Bureaus break the law blatantly on a regular basis please review the attached documents.
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 XXXXXXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call XXXX to dispute my Department of Education loans but won't work. I have also went to dispute on TransUnion and XXXX and their online disputes don't work. These companies do not care about anyone or anything. The department of education doesn't care about anyone or anything. I have been trying to get these marks off my credit report for months and months. They send me replies from 6 different addresses and phone numbers so far so I have no way of getting in touch with anyone and these credit reporting agencies are no help. Please help department of education is the only negative thing on my whole report and I paid them off at the beginning of the pandemic to have it removed from my report. I am attaching 6 different replies to my disputes which they use 6 different phone numbers and addresses.
Product: Debt collection

Called me repeatedly, did not leave message. Received XXXX calls in a row, and XXXX more in the hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Transunion XX/XX/XXXX Dear Credit Bureau : I have a few questions about several inquiries on my credit report. Is it true that in order to pull someones 's credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report WITHOUT MY AUTHORIZATION? In my last dispute, i asked for the unknown inquires to be verified and my request was ignored. I DID NOT AUTHORIZE THESE COMPANIES TO CHECK MY CREDIT FILE. 

Creditor : XXXX -- Inquiry Date : XX/XX/XXXX XXXX -- Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX- Inquiry Date : XX/XX/XXXX From my understanding, this is against the law!! I did not authorize these aforesaid companies to pull my credit report, PLEASE DELETE THESE INQUIRIES TODAY!!!!
Product: Credit card or prepaid card

A few months ago I opened an account with Care Credit to help me pay for any big Dental bills. They have plans that allow me to pay over 12 months same as cash. Yesterday, XX/XX/2019, I received an " upgraded '' Mastercard without even asking for the upgrade. Naturally I rejected the card and when speaking to the agent on the phone I explained that I was quite upset for two reasons. First they had no right to send me this card without my permission. Second, I have no doubt that they are sending this card to seniors that do not the understand what they are getting and how this may affect their credit score. To me this is a predatory action and must be stopped.
Product: Credit card or prepaid card

Somebody use my identity to apply Mile & More XXXX. I realized it happen only when the credit card company mailed me for more information. The company is called and the application has been canceled
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaints XXXX ( Equifax ) XXXX XXXX ( XXXX ) on XX/XX/XXXX for XXXX XXXX account # XXXX XXXX XXXX. The account came back verified with both complaints. How is the account verified on both complaints when the facts are directly from my credit report showing a 2 year difference for the date of last activity. XXXX is reporting XX/XX/XXXXXXXX  for date last active while Equifax is reporting XX/XX/XXXX. Under 15 U.S. Code 1681e - Compliance procedures, Equifax by law shall maintain reasonable procedures designed to avoid violations. Using an automated system is not a reasonable procedure to ensure max possible accuracy. This procedure is not equitable which has now caused violations of the FCRA. I wanted the account deleted due to inaccurate information reporting to this account which is now causing violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.
Product: Checking or savings account

Hello, I opened the Citibank Priority account on XX/XX/2023, seeing the earn up to {$2000.00} bonus offer ( attached ). My account was opened, and I received the debit card in mail. A few days later, there was a hold on my account and upon calling I was told that the account would be closed, and you will receive a letter in the mail. I received the letter in the mail ( File number XXXX ) and the only reason mentioned in the letter is unable to verify information. I called Citibanks fraud department, and I was told that XXXX has specified that my Social Security number is not issued. This is a very bizarre reason, because I have XXXX profile, I receive their credit report every month, I have few credit cards, a current mortgage with XXXXXXXX XXXX  etc ( credit report attached ). I tried to convey the same to the Citis representative over the phone, but she had no other reason or explanation.
Product: Mortgage

I have gone round and round with them since XX/XX/2023. I have sent them everything they have asked for and they now say they dont have enough information and info is missing so they denied and cancelled my loan assumption. Per my divorce decree I have to get this done and they have made my XXXX XXXX XXXX XXXXXXXX. As a single mom I cant afford to refinance this home and live here. I will have to move my kids out of the schools and move homes when they are already struggling and this company is forcing me to do so because they are missing information. What information is missing and why cant I have a representative from the bank talk to me. Why will they only communication by fax and mail. I find that disheartening. This loan assumption has been so awful and I know why they are making it hard because they dont want to do it.
Product: Vehicle loan or lease

I opened a car loan with Overland Bond in XX/XX/2016. I have never been 30 days late with this company and they are violating my rights as a consumer according to the Fair Credit Reporting Act. I temporarily lost my income which caused me to make my car payment 2 weeks late, however I called in and made an arrangement with the Overland Bond and paid them {$200.00} towards the balance. This payment arrangement was supposed to keep my account current and stop any further collection activity or negative reporting towards my credit. After making my arrangement and paying {$200.00} Overland Bond repossessed my car! I repeat I was never even 30 days late!! Once I made my full payment my car was still not returned and " reactivated '' so that I could drive it. I've read customer reviews on this company and see that I'm not the only customer experiencing this. This company is repossessing vehicles and ruining their customers credit for being 2 weeks late on their payments. This company has reported a repossession and 30 day on my credit and has totally destroyed my credit score causing me to lose -166 pts to my score. I filed a complaint about the reporting and the credit bureaus deleted the reporting only to have Overland Bond illegally add this inaccurate reporting back to my credit without notice. According to FCRA I am supposed to be notified within 5 days of a company adding any negative information that was previously deleted back to my profile, this company has failed to do so! My rights are being completely violated and I am extremely upset! This company has illegal practices and are taking advantage of their consumers. Please help me to have this inaccurate information deleted from my credit profile and corrected with this company. I hope that my experience will help other consumers of Overland Bond from experiencing what I've been through.
Product: Credit reporting or other personal consumer reports

According to 15. U.S.C 1692C you have violated my right by in lawful communications please remove this collection off of my credit report thank you
Product: Checking or savings account

So they locked me out of account and then closed accounts they kept sending statements to wrong address called to update said they couldn't cause was closed I'm XXXX I was living in XXXX Colorado not easy to get around and fought for 7 months to get them to send statements and they tell me it been to long can't dispute anything they have violated 12 of my rights and still are you guys really just need to shut this bank down refusing to give me statements or account transaction in detail so I won't find the fraud they commited
Product: Debt collection

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the XXXX XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. 

Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX of 2017, XXXX made 2 hard inquiries on my credit report that I did not authorize. I have never been interested in their services, so I am completely certain they are unauthorized inquiries.