23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is ( XXXX ) XXXX and all those other numbers, either do not belong to me, or are outdated.
Product: Debt collection

I have a a unverified account from Torres Credit Services # XXXX. I had previously disputed this account. I have never done business with Torres Credit Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Torres Credit Services provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date XXXX XXXX XXXX the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Torres Credit Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

XX/XX/XXXX. XXXX was canceled and I got another insurance company in XX/XX/XXXX. XXXX is now sending me bills for {$150.00} after they cancelled my insurance and I went to another insurance company. This is fraud. I am trying to buy a house my lender showed me this and this is holding up my homeland. 




XX/XX/XXXX XXXX has XXXX late payments on my credit. I need this removed I was never late and they have cause delay in processor my home loan also I have written XXXX and all credit bureaus yet the late pays for both of my credit are still coming up late. COVID delays were never my fault. They are in violation of 15 CFR 1681s-g 1XX/XX/XXXX XXXX & XXXX reported my payments late however this was do to a payment decreptance. I have never been late I need this remove to buy my home.
Product: Debt collection

I've been receiving phone calls with the user ID under " PortfolioRecovery '' for a while now. The first time I've got a phone call under this user ID, I answered because I wasn't sure what it was for but I only received an automated voice message so I just hung up. But after that, they've constantly been calling me through different state areas and different numbers. I started blocking the phone numbers that were under the same user ID but it still hasn't stopped " PortfolioRecovery '' trying to contact me. I used to just ignore the phone calls but for today, XX/XX/2021, I first ignored their call but ended up calling back under the number I received to see if I may be able to get a hold of an actual person. I was able to talk to a human on the other line but she was not at all willing to give me any information when I asked her what the calls were about. She was unwilling to provide me any information on this company 's intentions except for the company 's name unless I'd share any information about myself to her. She mentioned something about debt but that was about it and wouldn't tell me anything such as why they were calling me or what this company was about until I provided my first and last name. After I did, she told me that my number might be the incorrect number for the person they have on file. I asked if it's possible to get my number off that list and she told me that I should just answer the next phone call I get from under this company to let the other caller to stop calling me. It's been months where they have kept calling me. I thought it was just a random number and I'm able to just block them from contacting me but this company has been calling me with different numbers from different states and I honestly feel so harassed because it disturbs me during my work times and other times. I've already talked to an associate that apparently works for the company but she just told me to wait until I get another phone call to let the other know to stop reaching out to me. Also I had to call them twice because the first call I had with them, the phone associate wasn't able to give me answers to my questions about why they were constantly calling me and ended up just ending the call. So I had to call them the second time to finally get one information out of them except with the same answer for the rest of my questions. They wouldn't discuss what the company did unless I gave my full name. The person on the other end of the call, I believe were the same person when I called both times, was very vague and wouldn't discuss why the company would keep contacting me and said that the company contacts people for personal business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect on an invalid debt from a prior creditor. The initial creditor XXXX XXXX  XXXX breached their contract by not adhering to my request to fix hazardous problems. 
In addition to this XXXX XXXX  XXXX tried to hold me accountable for rent when the contract had already been terminated. XXXX XXXX XXXX then sold the alleged debt to XXXX XXXX  within months this was being reported on my credit report without an initial attempt to collect on the debt, I was never notified of my rights, nor was I given the opportunity from XXXX XXXX to prove the validity of this debt. I hold both XXXX XXXX XXXX and XXXX XXXX accountable because my rights were violated under both the Fair Credit ReportingAct and the Consumer Financial Protection Bureau. XXXX XXXX XXXX did not follow rules and regulations per the XXXX XXXX XXXX-If you dont receive a response within a reasonable time, re-notify the owner/manager orally and in writing. If you still dont get a response, you may have legal grounds to exercise statutory rights of lease termination, compulsory repairs, damages, penalties, third-party repair and deduct, and attorneys fees. ( Instead of giving two separate written notices, you can give a single notice if it meets certain standards provided under state law. ) Under this rule my lease was legally terminated and other tenants have since then resides in the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Checking or savings account

I called Chase executive office 6 times today- can not get through. Never hot {$130.00} credit from XXXX XXXX XXXX  and {$340.00} charge is false triple.
Product: Debt collection

in XX/XX/XXXX I did a short sale to the bank as my house went into foreclosure. it was approved. in XX/XX/XXXX I received tax form XXXXAcquisition of Abandonment of Secured Property. balance of principal outstanding XXXX fair market value of property XXXX. this was done by Owen XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX . 

in XX/XX/XXXX I received XXXX Cancellation of Debt. date XX/XX/XXXX. amount of debt discharged XXXX. done by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX. 

now I owe XXXX dollars in taxes to the IRS. where did this amount come from. someone else was living at the address one month after I moved out the original mortgage was done by XXXX XXXX   back in XX/XX/XXXX who was part of the mortgage crisis, it was a high interest loan which I tried to remodify 3x and was turned down
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING INQUIRIES : XXXX, XXXX XXXX You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account listed on my credit report, which is beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). 

Account Information : - **Creditor Name** : XXXX XXXX  - **Account Number** : XXXX -**Last Activity ** : XX/XX/year> According to the FCRA, negative items should not be reported after seven years from the date of first delinquency. The account listed above is over seven years old and should be removed from my credit report immediately. 

Please investigate this matter and remove the outdated account. Enclosed are copies of my credit report highlighting the account in question. 

Thank you for your prompt attention to this matter. 

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

I reviewed my credit report, and I noticed several inquiries that I do not recognize. The details are as follows : 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 am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by XXXX XXXX. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called XXXX XXXX and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. XXXX refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from XXXX in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written XXXX XXXXXXXX in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a wrong hard inquiry on my Equifax score ... unauthorized hard inquiry ( XXXX XXXX on XX/XX/2019 ) ... result of ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account showing on my XXXX credit report, I tried to dispute the account online many times, because it was really unfair to have this account on my report because the moment the collection agency contacted me I paid in full especially the orginal creditor is from a foreign country who sold the account to the collection agency. 

However, the account was removed from my report on XX/XX/2021 and now its back in my report!!! How is that possible!!! When I was speaking to dispute XXXX from XXXX she said it wasnt removed!! How is it possible they play with my credit report?!!
Product: Credit reporting or other personal consumer reports

I am submitting a " Notice ", Experian. I ask that the information within including the Notice and all attachments are provided to Experian " XXXX XXXX ''. Due to the nature of what is/happened in California, I feel it may be best to send information in this form as I am not sure as to California USPS carriers on how it may have reflected the delivery of mail. I ask that everything within is reviewed proficiently in its entirety. ( ALL ATTACHMENTS ) I also ask that the letter / NOTICE be reviewed and all information, such as " Demand '' be reviewed and an update as to how to fix this matter is provided to me. This information has been provided to Experian on numerous occasions on the inaccuracy being reported to the credit report. Your agency has made no effort to correct this information. 

XXXX complaint XX/XX/year> XXXX complaint XX/XX/year> XXXX complaint XX/XX/year> XXXX complaint XX/XX/year> ( This is a list and there are a lot more of CFPB complaints submitted to your agency advising Experian of the inaccuracy reporting ) As advised I ask everything is reviewed in its entirety within including the " Notice '' and " Demand '' and all attachments and that the information is provided to Experian " General Counsel ''. I ask for a response as indicated is provided on how to resolve this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I have been sending LVNV FUNDING LLC, XXXX, XXXX CERTIFIED LETTERS ASKING FOR MY DEBT TO VALIDATED THEY HAVE FAILED TO CORRECTLY VALIDATE ACCOUNT. I ASKED FOR A COPY OF THE ORGINAL CONTRACT IN WHICH THEY REFUSED TO PROVIDE. I AM EXHAUSTED AT THIS POINT. 
MY FIRST LETTER TO THEM WAS XX/XX/22 SECOND WAS XX/XX/22 AND MY 3RD AND FINAL ATTEMPT WAS IN XX/XX/22 I ALSO SENT CERTIFIED LETTERS TO THE ACTUAL COLLECTION AGENCY AND THEY ALSO DISREGARDED MY REQUEST FOR VALIDATION.
Product: Credit reporting

I sent a letter to Credit Bureau certified XX/XX/XXXX because I am a victim of Identity theft. I was requesting a security freeze. I sent all the required documents -id, police report, ss card and utility bill and asked specifically for a freeze. I received response back from XXXX and Experian both that instead they placed an Extended Fraud alert and ignored my request for a security freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been trying to get credit karma help me have acess to my acct of over 6 months rep msays everything looks good but its not
Product: Credit card or prepaid card

My complaint is simply I was unable to be approved for a CHASE FREEDOM Visa Platinum account credit card due the information they were provided in your credit report. 
My refusal was from JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX ( I can forward a copy ) dated XX/XX/XXXX. 
Their Refusal Stated.. 
DEROGATORY PUBLIC RECORD OR COLLECTION ITEM .... because I have not had a credit card nor have I ever failed to pay any monthly Business, Club or Household Expenses on time during the past 3 years. 
LACK OF RECENT INSTALLMENT LOAN INFORMATION .... because I have paid with auto draft or debit card. My actual Business and Personal Expenses run up to {$10000.00} per month NO RECENT REVOLVING BALANCES ... because my only standard Monthly Expenses like Electric, Utilities, and Private Clubs which {$2.00} to XXXX per month are paid on time or with auto draft. 

In XXXX my 42 year old company closed and I declared bankruptcy due to unfair XXXX competition. I have operated my new company XXXX XXXX with my Debit card and my personal assets ( in the millions ) for the past 3 years because of the information in the credit report. 
First, I would like to see my credit report and I would like to obtain a Credit Card so that I can build my credit history. If necessary I will pay any outstanding balance at the end of each month Will you work with me to rebuild my Credit History.
Product: Payday loan, title loan, or personal loan

I've had this loan since XXXX. I've paid consistently on it for 5 years but the interest rate is so high it never goes down. I haven't owned the car this loan was taken out for since XXXX. It was a lemon so i went upside down on it. Even though I've consistently tried to make payments on this account it is no longer worth it with the harrasment i receive from them. They call me 30 times or more per week.. 7 or more times per day. I've tried refinancing through them but they give me an even higher interest rate. Somewhere around 27 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00}
Product: Credit reporting or other personal consumer reports

I received notifications from XXXX, Equifax and XXXX regarding Collections, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were added to my account that I have no knowledge of and never received any Debt Collection Notice or correspondence from said debt collector. I asked that the collections be removed since by law the Debt Collectors did not notify me of any debts and did not give me the opportunity to request a Debt Validation Letter to dispute the debts. 
The FDCPA requires collection agencies to give consumers specific information in its first communication, which is generally called a " debt validation notice, '' including : the amount of the debt, the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, a statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). 
If the initial communication doesn't contain this information, by law, the agency has five days from the initial contact to provide it to the consumer. ( 15 U.S.C. 1692g ( a ) ). ( The " initial communication '' is the first time a debt collector conveys info, directly or indirectly, about a debt to a consumer. But it doesn't include legal pleadings, including bankruptcy proof of claims, limited content messages, and certain legally required notices. ) I never received a Debit Validation Notice from any of this collection companies which is a violation of the FDCPA. 

Also, XXXX is no longer allowed to service federal student loans, yet the lender remains on my credit report and should be removed. 

XXXX is reporting XXXX Funding as a debt collector, I am in litigation with XXXX funding and have requested that this collection be removed since I have legal representation fighting for me and the validity of this debt. Every bureau has removed XXXX funding except XXXX.
Product: Checking or savings account

I live in a senior community and i qualify for HUD. I received a letter from HUD on XXXX XXXX, 2022 that their company was cyber attacked and ALL my personal info was taken from HUD. I had 4 accts affected by who every stold my money because of HUD. I am trying to get my {$500.00} from 53rd bank for a unauthorised transaction. I have always checked my bank acct everyday to make sure no one has gotten into my accts. When the {$500.00} was pending for 3 days 53rd Bank stated they could not stop the pending {$500.00} transaction. I want my {$500.00} back from 53rd Bank. 53rd requested the letter from HUD which i did send to 53rd bank e-mail. Why do i have to wait so long to get my money back. I am still waiting for a new 53rd bank card. Was told can take 10 days to receive my new card. I can not pay my bills without that card. Thank you