23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit report and there was a collection on it. I disputed I, 2 months later I received a letter from XXXX that states it is verified as accurate.. I do not have a Citibank account. I did not open any accounts placed in collections X/XX/2017. No verification was sent to me on how this account is valid. No signatures, no statements. If I did have a Citibank account, I ca n't find record of it on my old credit reports, it was deleted and past 7 year statutes of limitations. I wrote and mailed a letter to the collection agency jh portfolio, stating this information is false, does not belong to me, no written verification was sent to me prior to it being reported on my credit report, and if it was my account it is past the XXXX limit and was already dropped off and to please take it off my credit report. It is still on it and XXXX verified it as accurate? How? No paperwork, no proof, no anything. If not dropped I intend to sue for damages.
Product: Credit card

I am disputing the collection account with TOYOTA MTR account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that TOYOTA MTR provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Student loan

Subject : Federal Student Aid ( FSA ) Noncompliance - Failure to Respond to CFPB Complaint I previously filed a CFPB Complaint ( Case # XXXX ) on XX/XX/XXXX, regarding extreme delays in processing my XXXX reconsideration. The Department of Education has failed to acknowledge or respond to the CFPB within the required 15 day period. 

Additionally, my XXXX reconsideration ( Case XXXX XXXXXXXX ) has been stalled for XXXX days. I have been repeatedly told that " additional information is needed, '' yet FSA representatives and supervisors can not tell me what information is required. 

I have also been informed that my case has not been updated since XX/XX/XXXX, per a conversation I had with a FSA representative yesterday, XX/XX/XXXX. This means it has been sitting untouched for over XXXX months. FSA has failed to provide any meaningful updates, despite multiple follow-up calls, and continues to blame the delay on backlogs. 

I request immediate CFPB enforcement action to hold FSA accountable for failing to process my reconsideration or provide legally required updates.
Product: Credit reporting or other personal consumer reports

Burns XXXX is purposefully and maliciously providing incorrect information on my credit report. I voluntarily surrendered the property, a XXXX XXXX XXXX on XX/XX/XXXX to Burns. 
I received my credit report from XXXX on XX/XX/XXXX and found Burns is reporting the account incorrectly. The account status is " OVER_120_DAYS_PAST_DUE. '' The past due amount is showing {$2400.00}. The balance is {$13000.00}. There is no update of a voluntary repossession. It was last reported XX/XX/XXXX. 
I contacted Burns by phone on XX/XX/XXXX. I received no answer. I went to Burns and stood in an empty office until a man appeared and asked me if he could help me. I told him I needed assistance with an inaccurate reporting on my credit. He stated to please call the number on the card that he handed me. I told him that the number on the card was the number I had been calling all day receiving no answer. I took out my cell phone and called the number again in front of him. This time I spoke with XXXX in Credit Services and Collections. I expressed to her I was frustrated they did not answer the phone for me all day and I needed to get this account updated. She stated she was returning from her lunch break. However, it was XXXXXXXX XXXX 
I told her the situation and he inaccuracies on my credit. She stated that I should call XXXX. I told her XXXX is going to tell me to dispute and contact the creditor to ask for an update which I was doing with her. She essentially said, " Well, send me an email with the credit report and I'll forward it up. I am in collections. I don't handle credit reporting. We'll see what we can do. The account update could take awhile and it may not reflect on your account until after the XXXX of next month. The account was just charged off and that can take some time. '' I replied that her response was not in accordance with the responsibilities of a creditor that is mandated to correctly report account information about consumers. I asked her how long would this take because it was already over 90 days since I surrendered the property and it could have been updated correctly on XX/XX/XXXX, for which she had no explanation. She rudely repeated what she said and gave me her email address. 
I have contacted XXXX to dispute the account and I'm sure that would yield the results I need. 
However, my experience with Burns XXXX has been disturbing and unnecessary. I feel they have left this account in improper status to make it harder for me to get another auto loan because it shows an open account that is 120 days past due. No mention I surrendered the property. 
The unprofessional attitude and lack of accountability as a creditor should be addressed and made clear this behavior is against federal law. I'm sure an investigation into this matter will show I am not the only person that has been met with maliciousness when simply asserting my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has hard pull my credit on XX/XX/year> without my written or verbal consent and thats fraudulent practice and its very unacceptable I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

Local banks not acknowledging who I am and denying me due to fraud on my credit report
Product: Debt collection

I have to charge off on my account that I told him wasnt mine and they will not take it off my account because they say it was verified but it wasnt very far because I am a XXXX person and I never had those accounts in the first place so I was trying to get them off my experience and XXXX XXXX and it will XXXX report on my XXXX XXXX report it shows open and on my XXXX  and us. It shows closed I have twoN and when it discover and I am trying to get those off my report so I can move forward in life and possibly get a mortgage XXXX thank you for helping I have sent in my 609 laterLetters and I have gotten no response back yet thank you.
Product: Debt collection

I recently requested validation of a debt collections listed on my credit report under the company Financial Data Systems. The company sent correspondence as to what they believe is proper validation of the accounts, however by doing that it was found that Financial Data Systems failed to include their NC license permit number ( XXXX ) on the stationery/correspondence form ( copy attached ) as well as the company 's TRUE address ( not a PO Box ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. 
All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. 
The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Financial Data Systems is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. 

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website.

The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Financial Data Systems ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; 58 70 50.
Product: Credit card or prepaid card

COMENITYCAPITAL/XXXX this was opened in XX/XX/XXXX and I did order some items before XXXX however I had some issues with some of the items that I had ordered and returned them back to XXXX and they are still showing a balance owing the items were sent back in XX/XX/XXXX and i am still getting harassing phone calls from a collection agency from this company who sent this to collections
Product: Vehicle loan or lease

I went to the XXXX dealer shop and i told them to do the lease for a particular bank. They have sent all my information to several banks. And I received my lease from the bank that i advised them to do because i dont want too many hard inquiries. They were really unprofessional on XX/XX/XXXX XXXX. I spoke with them about this situation and they told me there is nothing to do now and I should wait to drop off in a few years.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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

I am a member of Experian Credit works. I am given 3 bureau scores and Experian reported my scores as XXXX Experian XXXX XXXX and XXXX XXXX. Today I attempted to apply for a mortgage and was declined since my Experian score was reported to the lender as XXXX Experian and I believe XXXX XXXX with a free on XXXX. Experian is not providing accurate data and as a result I now have an additional hard inquiry. This company should be investigated as they charge for this program and are providing misleading information to consumers. Moreover on several previous attempt Experian refused to remove incorrect information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. XXXX XXXX and XXXX  has removed the erroneous XXXX XXXX / XXXX XXXX information while Equifax continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response dated XX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXXindicates that the information that was used was provided by Equifax. The some of information that was offered by Equifax is attached to the bottom of the Notice. I have never offered an  explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported from XX/XX/XXXX thruXX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by Equifax when XXXX XXXX recently removed the information while XXXX had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok. XX/XX/XXXXXXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now XXXX XXXX XXXX.
Product: Checking or savings account

I had a checking account with citi bank. They closed my account with XXXX still in it. I waited patiently for my check in the mail and never received it or info on why my account was closed. Called them several times and they told me I wouldnt be getting a check my accounts closed they are no longer servicing my account so basically stole my XXXX dollars from me. I can prove where the money came from and my bank account that transferred it over into the citi account. I will have attached a pictures of my deposit from my work for XXXX proving my income. And the direct debit from my XXXX  account for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen XX/XX/2019. This same person has tried to open up several accounts in my name, resulting in credit inquiries from various companies. I contacted said companies about the fraudulent activity, and they closed the accounts. The companies also sent letters to all 3 credit bureaus to have the inquiries removed for fraud. I had inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Only XXXX  has removed the fraudulent inquiries. Transunion and XXXX  refuse to remove these inquiries even after disputing them, calling them, and sending them evidence that these inquiries were done under fraudulent circumstances. I will keep filing complaints and filing disputes until all of these fraudulent inquiries are removed from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found hard inquiries that I don't recognize as mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a letter on XX/XX/XXXX from portfolio recovery. This letter stated I owe them {$5400.00}. this debt is from XXXX. I lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  from XXXX til XXXX. They are telling me on the phone they got a judgment against me in XXXX XXXX XXXX XXXX Virginia. I never received notification of this court date that was in a Virginia court. I lived in XXXX XXXX during this time. I never had any opportunity to recieved court documents or the knowledge this was even going on in Virginia.
Product: Mortgage

A complaint was filed with your Agency against Rushmore Loan Management in case number XXXX, and on XX/XX/XXXX, a response from Rushmore was filed with your Agency, reversing their position that I was not eligible to remove PMI, prompting your Agency to close the file on my initial complaint. I immediately requested from Rushmore that an appraisal of my property be conducted with the understanding that I would pay the said appraisal fee. Rushmore acknowledged receit of my correspondence and assured me that said request had been sent to their appraisal office for action. Severally, I was informed by Rushmore that it would be done. This issue of appraisal was supposed to have been escalated, but nothing came out of the escalation. I spoke with a couple of supervisors concerning this issue, yet it is yet to be addressed.

Rushmore is not providing me the reason it is dragging its feet on this matter. I would appreciate your Agency involvement one more time on this issue.
Product: Credit reporting or other personal consumer reports

The applicable provisions of the Fair and Accurate Credit Transactions Act of XXXX ( FACT Act ), XXXX. XXXX XXXX XXXX XXXX. XXXX, shall be effective in accordance with the following schedule : ( XXXX ) Provisions effective XX/XX/XXXX. 

I have already disputed these items with the bureaus, but they did not remove, nor prove validation. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX  XXXX account # XXXX XXXX account XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/year> -- {$5000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sd XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. 

I have enclosed a snapshot of my credit report showing the reporting. XXXX  reporting high credit as XXXX, Experian reporting high credit as XXXX, and XXXX  reporting high credit as XXXX, you can not report different inaccurate information between credit agencies, delete per violation. Again,  XXXX  reporting credit limit as XXXX, Experian credit limit as XXXX, and XXXX  credit limit as XXXX, but each credit agencies is reporting a past due amount of XXXX, Per law, you can not report a past due balance on an derogatory account, per violation delete this account. In addition, XXXX   reporting last payment as XX/XX/XXXX, but the two-year payment history states current for the months of XX/XX/XXXX & XX/XX/XXXX, which is in violation delete this account. I have enclosed a snapshot of my credit report showing the reporting.
Product: Checking or savings account

On XX/XX/XXXX I applied & then was approved for a Bank of America checking account online. On XX/XX/XXXX I went into a Bank of America branch to make my opening deposit. I deposited a cashiers check made out to me from another local bank for {$10000.00} And {$500.00} in cash. I was told There would be a seven day hold on my check at that time. I was fine with that. On XXXX I called the customer service number to obtain my account number so that I was able to gain online access to my account. They transferred me to the account closings department and said that they would be closing my account. I was told that the account would be closing on XX/XX/XXXX and at that time they would mail me a check. I wasnt happy with that so the agent Put in a request to be able to pick up my funds at a branch after the check cleared on XXXX. On XX/XX/XXXX, I again called customer service ( account closings dept ) only to be told that my last name on the account was not correct & they asked me if I went over by a different name. The last name that they had on the account was a last name that I had over six years ago. I dont understand how this happens when the account opening letter and my debit card that I received from Bank of America it was in my current last name but the account isnt? The agent was able to verify my identity through my phone number. I was told that my check had cleared & I was approved to be able to pick up my money from a branch. He also told me that I needed to take with me a document of my name change. I made an appointment at a branch for the next morning and after explaining everything and showing all the necessary documents I was told that the account was still in review and that they would mail me a check in my former last name to a former address. I told them that the review board approved my request to be able to pick up my money from a branch and was told they couldnt see that type of information? Furthermore, the cashiers check for {$10000.00} that was deposited was made out to me with my CURRENT last name & CURRENT address. I left there in tears & WITHOUT my money. I called Customer Service AGAIN and was told that yes, I was approved to be able to collect my money from a branch & that I should try another branch. This is ridiculous.