23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three inquiries on my credit report that do not belong to me they are not mine I have not opened these or inquired for any of these I need them off my credit asap!!! I have sent out multiple letters to bureaus and furnishers regarding this!! 

XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out a letter to TransUnion challenging the inaccuracies on my report. TransUnion sent me a letter stating that I was not the one submitting the disputes which I felt like a tactic to prolong this issue. I read that they have 30 days to reply to my dispute. This is bad business for their company and I am now frustrated. TransUnion is in violation of reporting one account with multiple unverifiable information. I have the proof attached. You will see that all three bureaus have the same account but all reporting different information. This is wrong and I know they are not supposed to do this. All information should be the same. There are multiple accounts that need to be reinvestigated immediately and I look forward to the cfpb helping me resolve this issue with this creditor. And if indeed these accounts are verified, I need the verifiable proof. Thank you for your time in this matter.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out 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 1681 s-2 ( A ) ( a ) 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. Delete the accounts below.

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had credit card debt with Bank of America while I was XXXX in the XXXX ( XX/XX/XXXX-XX/XX/XXXX ). After I separated from service, I noticed XX/XX/XXXX that my card balances were unexpectedly much lower. I called Bank of America to inquire about the reason for the balance change. They told me on the phone that they had incorrectly charged me higher interest than was allowed under the Soldier & Sailor Act and that consequently, they had lowered my balance to adjust what they had illegally charged. So I never saw this money - it was just fraudulent interest followed by elimination of fraudulent interest. After I filed my XX/XX/XXXX tax return, I received a XXXX from Bank of America with a total reported " income '' of ~ {$10000.00} ( the amount that they had adjusted my balance ). Again, I never saw this money, so I did n't think I should have to pay taxes on money that was illegally charged and then corrected. I just got a letter in the mail from the IRS stating that I owe {$2600.00} in back taxes because I did n't claim the Bank of America income. In my opinion, Bank of America made a mistake reporting this as income to the IRS and should have corrected it, but clearly they did n't, and now I am stuck having to deal with the IRS to explain the situation. All of this because I volunteered to serve in the XXXX and BoA messed up the interest charges on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These two XXXX XXXX cards, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my Myfico report. Both are violations of my rights. THIS INVESTIGATION HAS TAKEN LONGER THAN 30 DAYS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not get report online .... Can not download dorm for mail request ... automated response keys not working
Product: Debt collection

On XXXX a debt collector : XXXX XXXX Commercial Account Specialist Hillcrest, Davidson & Associates L.L.C. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ext. XXXX Direct XXXX Office XXXX Fax www.hillcrestdavidson.com Started texting me threating to subpoena myself and my ex-wife over a debt I have no knowledge of from a company associated to me previous to my divorce. After harassing text the calls started. Over and over again i was contacted even after I asked the debt collector to stop contacting me. Then over and over the debt collector contacted me using my address book to generate call from numbers I know but actually the debt collector was pretending to me my Mother and others in my contact book. I recorded all the calls, texts and false numbers. I have an app that shows where the real call is being generated and even though the number show people in my contact they all come from that debt collector. I have filed a police report and hired an attorney but the debt collector refuses to stop communicating, falsely impersonating my contacts and threating to call my friends and family to quote " tell them im a degenerate '' and other terrible things. I have recorded audio, images and video proof of my claims.
Product: Mortgage

I have two properties that were sold from one mortgage lender to another. In XXXX of XXXX XXXX XXXX sold our loan to AmeriHome Mortgage Lending. Unfortunately, this transfer was not communicated to us in a timely fashion. We continued to be invoiced by Planet after the " sale '' date, so we continued to make payments on both properties ( additional {$5000.00} for one ). We made XX/XX/XXXX payments to Planet not knowing that the loan was sold to AmeriHome. Planet Mortgage readily agrees that the payments were made and we have documentation that they received these payments. AmeriHome continues to state that they have no record of these payments that were made. We paid ( AGAIN ) XXXX payments to AmeriHome so that our credit would not be affected. In summary, there were TWO additional XXXX payments made on these properties and no one can tell us where those payments are. We certainly have not received credit for them. I have another account number for the other property that I can submit later.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Previously filed a complaint due to in accuracy on credit report. 

Company has still failed to report accurate information regarding payment statuses on this account. 

Previously did not provide validation of debt within 30 days as required. 

I am asking due to the violation of the fair credit reporting act that this account will be deleted as it is not reflecting, accurate statuses. 
Creditor has had numerous times to get this correct even under a complaint through the CFPB and has still failed to do so. 


Not only was I sold a lemon by this company, but was not even able to return it when I requested to within what they call a grace period that I was told did not exist at the time. 


Regardless of them selling me a lemon it is not right that they are not abiding by the current fair credit reporting act. 


They have had numerous times to get this account corrected and have failed to do so. 

With that being said, I am requesting the account be permanently deleted off my credit report to avoid any legal action. 
The creditor must also provide a free copy of the updated report. Which did not happen previously.
Product: Debt collection

In XX/XX/2022, received email stating I owed {$29.00}. plus to PayPal credit for purchase in XXXX. I emailed back indicating I never opened a credit account with PayPal nor made a purchase for {$29.00} in XXXX. Every month since, I have been receiving emails for increasing amounts with interest and penalties on this issue although I have written and phoned, spoken to to the Fraud department about this, had the case closed and reopened three times, through Synchrony Bank. Each time they claim their investigators have reviewed the case and I owe the amount, An no time has anyone from either PayPal or Synchrony Bank initiated a contact with me, even when I informed the managers at Synchrony that I had Excellent credit and had a prior experience with them that was very satisfactory in the thousands of dollars. I even asked them why, if commonsense prevailed, would I continue to object to a miniscule {$29.00} issue given my record. They had no answer and I continue to be billed, now for {$99.00}.
Product: Credit card or prepaid card

I previously reached out for information about my credit card payments. I was still not given a definitive reason as to why my minimum monthly amount due was increased from {$50.00} to {$51.00}. Nonetheless I increased my monthly payment amount to {$75.00} and have been making payments every month on time and my amount due each month continues to fluctuate up and down without me being informed. I do not and have not used my credit card for purchases in over a year. I should have been notified early on so that I could stay up to date with my bills. I would like an explanation as to why my amounts due are always being changed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax and XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYCAPITALBANK/ULTA- XXXX XXXX XXXX XXXX  , OH XXXX Phone number not available Date Opened:XX/XX/XXXX Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Date Updated : Payment Received : XX/XX/XXXX {$0.00} Pay Status : charge off Terms : Date Closed : XX/XX/XXXX XXXX I filed a police report for ID THEFT AND THEY WERE SUPPOSED TO CLOSE IT I NEVER OPENED THE ACCOUNT THEY SAID THEY WOULD CLOSE IT IVE BEEN REPORTING AND COMPLAINING SINCE XXXX! This needs to come off my record!
Product: Debt collection

I was sued by portfolio recovery for a debt collection they purchased from XXXX XXXXXXXX XXXXd not give me a copy of a valid contract between me and creditor or terms and conditions of debt owed. In recent stipulation against portfolio recovery they are required to give these original documents to the consumer they are attempting to collect debt from. They have not provided them to me or the court and have received a judgement against me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of a claim regarding my personal credit report, which contains inaccurate, incomplete, or unverified information that requires immediate review and correction. This letter serves as both a Notice of Claim and a demand for compensation for damages resulting from your violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. My consumer information is listed below : Claim Details : XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Your office was notified USPS certified mail on several occasions requesting debt validation in addition your office was provided a cease and desist. XXXX XXXX XXXX is in violation of multiple FCRA 15 USC 1681k, 15 USC 1681, 15 USC 1681e, 15 USC 1681n, 15 USC 1681i, 15 USC 1692g. ( XXXX XXXX equifax ). 

**Requested Action : ** I DEMAND that you stop reporting immediately. Photocopies are not a validation of debt. I have not entered into any contract with spring oak capital. I DISPUTE all and any debts you claim I owe. PAY THE INVOICE FOR VIOLATIONS AND DAMAGES spring oak capital has caused to the consumer. ( XXXX XXXX XXXX XXXX XXXX XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report from Transunion and noticed many inquiries that are not mine and I do not recognize and did not authorize my credit to be run. I contacted Transunion and they were very rude and I did not receive any relief to have the inquiries removed. Below are the inquiries and dates : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company contacted a number where I have not lived in 20 years several times over the course of a month. The number they called belongs to my parents ( XXXX ) and as I stated I have not lived there for almost 20 years. 

My parents were XXXX for several weeks and returned to 14 messages ( which I have recordings of ) from this company claiming they were trying to reach me about a " Legal Situation '' and provided a " Case Number '' to reference. 

One of the messages made a threat that I will be contacted by the Sheriffs Office if I did not respond in 48 hours. 

When I contacted the company they provided a lot of the very same threats, and at one point they stated they have already filed a case in my county to sue for the debt and provide the same " Case Number '' they listed on my parents voicemail. 

He was not able to tell me which district court or XXXX precinct the case was filed, and a quick search on my county clerks website showed there was not case filed with me listed as a defendant, and the case number format given by the company was not even correct. 

The representative eventually hung up on me after he couldnt answer my questionsIt took me asking several times to find out what they were claiming to collect on. I still do n't know. The representative kept saying " you know you owe the money, just pay. " This was the first contact I have ever had from this company. He was not able to answer very basic questions required under FCRA and FDCPA. 

I also believe that they are violating UDAAP by claiming a case was already filed against me and they would send the Sheriff to contact me if I did n't call back. 

I have recordings of all their messages left at my parents phone number as well as a recording of my phone call with the company.
Product: Mortgage

We are in desperate need of help as our mortgage is pending a foreclosure sale and our bank will not help us. We purchased this home XXXX XXXX XXXX. We had done a refinance with XXXX XXXX XXXX of XXXX. We defaulted on that mortgage in XXXX of XXXX and the reason for hardship was due to our families including immediate family was in XXXX during the earthquake XXXX XXXX XXXX. We had to fly to XXXX and bring back our nieces and nephew after both my sisters were killed leaving the children orphans. Between the funeral costs, travel costs and taking in the XXXX children, we had no more savings left to pay the mortgage. We applied for a modification and had been approved for a trial modification which we completed and was approved for a step rate modification XXXX XXXX XXXX. The step rate schedule startedXXXX/XXXX/XXXX-XX/XX/XXXX with the rate 4.025 % ; XXXX at 5.025 % ; XXXX at 6.025 % ; XXXX at 7.025 % ; XXXX at 8 %. 
XXXX/XXXX/XXXX XXXX was hurt on the job after 18 years of employment and had to go on workers comp. We had applied for a temporary hardship due to this significant income reduction and was approved for a 2 year temporary modification on XXXX XXXX XXXX through XXXX/XXXX/XXXX reducing the interest rate to 1.025 %. After the two years were up, the payment would go back to the terms of the original modification as explained above. My workers comp was {$270.00} a week. We defaulted on this temporary modification XXXX XXXX XXXX after the workers comp had ended. I had been going to court over the XXXX until it was finally determined he was XXXX as of XXXX XXXX XXXX. The XXXX date I was entitled to benefits was XXXX XXXX but if you review the award letter I have attached, I did n't receive the retro pay or monthly payments until XXXX XXXX XXXX. So for 24 months, XXXX had no income other than the temporary XXXX which was less than {$XXXX} a month which barely covered the cost of parking for the hospitals after the XXXX. 
Since XXXX is now receiving permanent XXXX of {$XXXX} a month and XXXX 's income, we are making {$XXXX} a month in gross income and taking home {$XXXX} combined.
Product: Debt collection

Portfolio Recovery Associates through their attorney XXXX XXXX XXXX XXXX filed a judgment against me after I filed a dispute with their attorney-XXXX XXXX with XXXX XXXX. After reviewing the filed court documents I believe that my rights were violated due to lack of documentarion & conflicting dates on the XXXX XXXX XXXX XXXX affidavit that XXXX of XXXX 's employee signed & certified. Also, their attorney advised me that I do n't have to appear in court because I 'm disputing the debt. I only want to verify/validate that this debt is truly mine & they have the right to collect. 
Attached is the letter sent to them.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Former : XXXXXXXX XXXX Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Employers : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$63.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX & XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$750.00} Late Payment XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my defaulted student loan with XXXX XXXX last XXXX 2016. I just received a credit alert from my credit monitoring service stating that XXXX XXXX has placed my account in a charge off status. I paid my loans off in full and my account should be reflected as such on my credit report. A charge off status implicates that I have not fulfilled my obligation with this company which is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXX : {$2600.00} US DEPT ED XXXX Balance : {$2900.00} XXXX : {$110.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX : {$1700.00} US DEPT ED XXXX Balance : {$2300.00} XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$64.00} XXXX XXXX : {$0.00} DEPTEDXXXX XXXXXXXX : {$0.00} DEPTEDXXXX XXXXXXXX : {$0.00} DEPTEDXXXX XXXXXXXX : {$0.00} DEPTEDXXXXBalance : {$0.00}