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

XX/XX/21 I go

t alerts from all 3 Transunion, XXXX, XXXX  I had a {$1000.00} CHARGE OFF and that is INCORRECT! It also damaged my credit reports ( plural ) and lowered my score that Ive been building back UP. This is LAST thing I need. This FALSE information as I am CURRENT and have not been late. No explanation other than an internal error. Insisted I get in writing they reported FALSE info.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXXXXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

A debt collection showed up on credit report. I contacted the company requesting proof on the debt amount even supplied them with email address to send it to. I still have received nothing not even a bill of any sort and it has been almost 30 days and I just seen where my amount due to them has went up again.
Product: Debt collection

This is the third time Im disputing this debt that is NOT mine. It has been removed off of my credit report in the past and pops up again. It is not my debt and I refuse to have my credit profile defamed by XXXX XXXX and the collection companies they hire. 

They are reporting a debt that is not mine and send me letters saying that the debt is verified with no proof. Like Im not just going to pay a debt that is not mine. This is unacceptable. I sent the credit bureaus a letter disputing this debt and the company EOS CCA responds back saying the debt is verified? How? This makes no sense and their tactics are unfair and quite frankly abusive at this point. I demand they remove these negative remarks off of my credit report immediately.
Product: Debt collection

This company has no contract that I have agreed to do any kind of business with them. They are claiming a debt from me that I do not owe to them, they have not validated with me any legal right to collect a debt from me. This company has no contract with my signature agreeing to do any sort of business in the past nor future. I have never signed any form of agreement with Convergent Outsourcing Inc . This company has no right to report anything on me to any of the credit bureaus according to the law.
Product: Debt collection

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history MOHELA/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history
Product: Vehicle loan or lease

at the time XX/XX/XXXX. I was working with XXXX, and they sent us advertising emails about flexible lease " for example " you can return your vehicle as soon as 30 days after your first payment due date no question asked! " where we can rent a car ( weekly ) and return with no question asked. 
I have emails to proof that. 
the car rental was returned on XXXX at the time I rented the car from XXXX rent company. and after 5 years I get a mail that I owe around {$2500.00} for early termination lease, from a different company and a bad credit reporting without even a single communication for 5 years. 
please note that I was not the original leasee nor I did sign the original lease or even saw the original lease. 

dates of car pick up : XX/XX/XXXX date of return : XXXX XXXX XXXX : XXXX Rock Creek Capital, XXXX XXXX : {$2600.00} actions that were taken by you or the company. bad credit reporting
Product: Mortgage

Dear Sir or Madam, I'm writing this complaint about the mis-managment of Citizens mortgage escrow system. 

Citizens Bank oversees our home mortgage, and as part of their requirements, they insist on us maintaining a tax escrow account. This account is used to cover quarterly property tax payments on our behalf. However, their management of our escrow accounts has been inadequate, resulting in late payments and consequently accruing extra tax interest. Even worse, one tax payment they claimed to have made was never received by the XXXX XXXX government. We've been communicated with Citizens Bank and tried to get that " disappeared '' money back for seven months, but still no luck. The following is the timeline of all the events : ( XXXX ) On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX the bill for XXXX, and the strict due date is XX/XX/XXXX. ( ref : XXXX XXXX XXXX XXXX ) ( XXXX ) On XX/XX/XXXX and XX/XX/XXXX, the Tax office post additional {$460.00} and {$42.00} for late payment penalty. ( ref : XXXX XXXX XXXX XXXX ) ( XXXX ) On XX/XX/XXXX and XX/XX/XXXX, the two payments {$9600.00} and {$3000.00} were made by us ( not through the Citizens escrow account ) and our neighbor in order to stop the tax to further grow. ( ref : XXXX XXXX XXXX XXXX ) ( XXXX ) On XX/XX/XXXX, Citizens claims that they have just sent an payment of {$4500.00} to Tax Office of XXXX XXXX XXXX which is already more than 2 month late than the required date. And XXXX XXXX Tax Office did not receive this payment. ( See attachment " tax disbursement '' ) ( XXXX ) On XX/XX/XXXX, we first attempted to contact Citizens customer support, asking about the disappeared {$4500.00}. ( See attachment " conversation with Citizens on XX/XX/XXXX '' ) ( XXXX ) On XX/XX/XXXX, Citizens replied " Your tax bills are received electronically and paid in accordance with the guidelines set forth by XXXX XXXX Tax Collector. " On the same day, we asked they to provide evidence/receipt for that payment. ( See attachment " conversation with Citizens on XX/XX/XXXX '' ) ( XXXX ) On XX/XX/XXXX, Citizens sent us a paper showed that the tax disbursement was made to XXXX XXXX, but it was not a receipt from the government. ( See attachment " conversation with Citizens on XX/XX/XXXX '' ) ( XXXX ) In XXXX, we called XXXX XXXX XXXX XXXX XXXX XXXX and they confirmed no payment was received on their end. 

( XXXX ) On XX/XX/XXXX, we went to XXXX XXXX XXXX XXXX XXXX, and the XXXX confirmed that they have not ever received such a payment. The XXXX also provided a physical copy showing no such payment. ( See attachment " physical receipt from government '' ) ( XXXX ) On XX/XX/XXXX the case was escalated to Citizens Bank XXXX XXXX of the XXXX. 
( See attachment " conversation with Citizens on XX/XX/XXXX '' ) ( XXXX ) On XX/XX/XXXX, the XXXX XXXX XXXX XXXX insisted that they have made the {$4500.00} to the XXXX XXXX. And even in this letter, they made a mistake again. We lived in XXXX XXXX rather than XXXX XXXX. ( See attachment " response from Citizens chairman '' ) We are extremely upset about our experience, and would be highly appreciated if you could kindly help us!
Product: Credit card

I looked my credit score and noticed that there was a hard credit inquiry be between XX/XX/year> and XX/XX/year>. 
After looking in to it FEB/DESTINY Mastercard. Did the inquiry. I do not know if they sent a card to someone or not. All I know is that I did not apply for a credit card or give my personal information to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

I had disputed with Transunion to remove a paid New York State tax lien from my credit report. I had cited a tort under New York General Business Law, Fair Credit Reporting Act Article 25 Section 380-j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ( 1 ). I had written to transunion a certified letter along with proof of payment and gave them 30 days to remove it from my record. 

I received no response from Trans Union via mail and had no help when calling on the phone. I was promised call backs etc with no proof being provided to me of investigation etc.
Product: Mortgage

The loan origination fee listed on my Good Faith Estimate does not match the fee on my closing documents. Also, the company has promised to refund a fee that was charged to my credit card, but no credit has appeared yet.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion added an account back to my credit report that had been removed a few months ago. By doing this, they violated the Fair Credit Reporting Act ( FCRA ). They failed to notify me within five business days of the reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and did not provide proof of accuracy, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). Since this account was opened without my consent and is linked to identity theft, not removing it is a violation of 15 U.S.C. 1681c-2 ( a ). Additionally, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX regarding this issue. Both TransUnion and XXXX failed to resolve the matter within 30 days, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate and correct errors within this time frame. I request that you delete this account immediately. Failure to do so will result in legal action to protect my credit, with potential damages of {$1000.00} per violation.
Product: Credit card or prepaid card

My Barclays Bank of Delaware Rewards MasterCard account was sold to a unsavory financial institution, without my consent. I pay my monthly bills. I asked them why, they told me my account was sold as part of a larger purchase by the other financial institution. I asked why my account they said they couldnt tell was just a bank transaction. No details were given to me. I asked them if I could just close my account so Im not paying such high interest they said the could close my account but would still be under the new bank as of XX/XX/XXXX. Offered me no means of just paying Barclays ( the actual bank for the master card ) and told me was not able to work debt settlement with me anymore. This came out of the blue, I make my payments and pay ridiculously high monthly interest. I feel betrayed, I have Visa card with them that is not involved in this buy out? They said the reason the visa was not sold was because it was opened through XXXX.
Product: Mortgage

I have spoke with LoanCare atleast once a week for 6+ weeks. I was sent paperwork for a partial claim in XXXX, I asked for a breakdown of what was included in the partial claim. After many attempts and incorrect information, I received a call from LoanCare asking when I was making a payment. I said I was requesting a breakdown of the numbers included in the lump sum partial claim. I was informed, of that is expired, we will have to send out another packet to you. The packet I received 6+ weeks later is for a mortgage modification and partial claim. I immediately called and asked why there were modification paperwork included with the partial claim. I'm being told I was denied the partial claim. I have spoke to them weekly requesting a resolution because I do not wish to modify the mortgage. Spoke w LoanCare today, I was told FHA denied it and when they have the written denial notice completed they will send it to me. I asked if it states why it was denied and they said no. LoanCare repeatedly says " a supervisor will be in contact in 24-48 hours '' this has never happened and I have yet to speak with a supervisor. A covid loan modification is meant to " help '' the homeowner. By modifying my mortgage my payment will increase by approx XXXX XXXX The partial claim that is attached to the modification is what I would like to execute. The modification does nothing to the arrears owed, it simply increases my interest rate from XXXX to XXXX. I have reached out to HUD and was given a list of " resources '' however when I contact these resources they do not handle covid relief options and refer me to " call a attorney ''. I was told today to either pay the amount owed in full approx XXXX or sign the modification documents. I feel like LoanCare is not following the HUD requirements and they simply would like to change my loan from 3.125 % interest to 6.875 %. I'm not sure where else to turn to for answers
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXXXXXX
Product: Debt collection

The collections company : National Credit Systems , Inc. ( NCSI ) has been attempting to collect a debt from me since XX/XX/2015. I didn't feel obligated to pay the debt because I was living in an Apartment Complex where the maintenance and office staff were harassing me and my roommate by " XXXX us with odors '' that made us feel noxious and sick and made it hard for me to sleep at night, which made it hard to go to work the next day and hard to go to work the next day. The Apartment Complex is called XXXX XXXX, in XXXX AZ, and the it was apt XXXX   that I left w/out paying to break the lease. Me & my roommate kept calling police, fire dept., and even hired a private investigator to try and find out who was " XXXX us '' and how they were doing it. We concluded that it was an inside job, because when it first started and we had the manager come over to smell the odor, she said of course, that she could not, and the same w/the maintenance staff so we were unable to say that the apartment was uninhabitable to break the lease. We ended up having to go through the AZ Tenant Association ( ATA ) and followed XXXX XXXX advice to not break the lease and not have any contact w/the collections agency. After a year of doing this, I tired of the phone calls from everywhere at all hours, and I ended up calling them and attempted to dispute that we owed any money since we were the ones that were harassed by odors being pumped into our apartment, making it inhabitable. If there were no odors or ( harassment ), we wouldn't have left. NCSI stated they investigated but they didn't find any evidence to validate our claims. I didn't set up a payment plan w/them or call them after this, however, the horror story of being harassed by odors being pumped into any place we have rented since leaving XXXX XXXX XXXX XXXX has been ongoing, and we believe it is now being done by the collectors that work for the agency. I have moved every year since leaving XXXX XXXX XXXX XXXX to find a place that is safe where the odors will not happen to us, not because I enjoy spending the money it has cost me to move, even paying to break leases, in an attempt to escape the harassment as the odors inevitably start again in about XXXX mos. every time I have moved in to a new place. I have moved XXXX times in the XXXX years since leaving XXXX. I am not living in a house I rented thinking I could escape being harassed if I didn't rent an apartment, townhome or condo which are more closely spaced together and often times share the same ventilation systems, making it easier to have access to, but I'm still being XXXX by smells here! This has got to stop, please help me with this ongoing harassment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed listed int attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. ALL OF YOUR NEWST ADVERSE INFORMATION WILL FOEVER BEEN UNDER DISPUTE FOR INACCURATE NEGATIVE INFORMATION! XXXX XXXX XXXX XXXX WILL ACQUIRE NOTHING. IF TOU DID NOT TELL THEM ABOUT WHO I AM- THEY WILL GET NOTHING FROM ME. SOMETIME AGO, REINSERTED OLD OUTDATED ADDRESS PHOMEA NUMNERS AS WELL AS OTHER ADVERSE AND INCORRECT INFORMATION. XXXX AQUIRED 3RS PARTY INFORMATION TO DIG UP AND THROW ONTO PEOPLE 'S CONSUMER REPORTS WITH CONSUMER CONSENT BEFOREHAND VIOLATING THE CONDITIONS UNDER WHICH LAY THE CONCRETE OF 15 U.S.C. 1681 BACKBONE OF THE FCRA. XXXX GOAL - MAKE PROFIT BY ANY TERMS. THIS WILL SET THE STAGE IN THAT XXXX AND THE OTHER CRAS ARE INCAPABLE OF HOLDING AN KEEPING ANY PRIVATE PARTY SAFE AND PROTECTED BECAUSE XXXX XXXX ITSELF IS A COLLECTOR AND SELLER OF PERSONAL INFORMATION TO THE HIGHEST BIDDER - FOR THE EIFHT PRICE. BE WARNED XXXX - FOR DIGGING THROUGH MY REPORTS FOR FOR OWN GAIN. YOUR TIME IA PASSED. YOUR COMPANIES SHOULD AT ALL COST. SHOULD BE BROKEN UP AND AOLD TO THOSE THAT HONESTLY KNOW THE MEANING OF " PRIVATE ''
Product: Debt collection

I never set up any payments with this company. Suddenly a few months ago, I realized that they are taking {$120.00} per month from my bank account without my permission nor any communication from them. When I contacted them about this, they dropped the monthly payment to {$50.00} and refunded my other payments only after I disputed them with the bank. Today I suddenly have another debit for {$180.00} out of my bank account again without any communications from them or express consent from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting Equifax many times prior to submitting this complaint just trying to access my credit report online. Upon calling them they asked me security questions which I answered all correctly but then was told that I had to verify myself once again through XXXX  which I obediently did. For whatever reasons, they claim to have not been able to verify me and I was told to send in a copy of my social and ID to XXXX XXXX. I have already done so two weeks ago and still have not received a reply from them nor have I been able to access my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint regarding non-compliance with my opt-out requests by the credit bureaus and lenders. 

On XX/XX/23, I submitted requests to XXXX, XXXX, and Experian, as well as XXXX and XXXX XXXX, to cease any authorization-related activities concerning my credit accounts. These requests were made under my rights as a consumer protected by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

Despite these requests, I have not received acknowledgment or confirmation of the termination of authorization-related activities from the mentioned entities. The accounts in question include my XXXX XXXX XXXX XXXX  ( Credit Card and Auto Loan ) and my XXXX XXXX auto loan. 



Enclosed with this letter are copies of my original opt-out requests and any relevant documentation.