23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

How are you doing? How are you doing during this pandemic COvid19? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

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

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'm reaching out regarding the measures that are calculated to factor consumer credit reports and scores. I don't understand how I can use my credit card today within 72 hours charges appear on my credit reports. In the same instance if I make a payment or pay down my credit card balances significantly, it's not reported until after 4 or 5 days past the billing cycle. 

How is it possible to have a system that is so flawed that it penalizes every consumer that utilizes their credit limits instantly. If the same consumer pays down their balance the information isn't reported until almost a month later! 

What is the system designed to penalize Americans rather than strengthen the economy by reporting true and accurate information. It makes no sense to have as many different scoring modules when attempted to utilize your credit worthiness. Shame on these companies that you operate credit worthiness in this manner while in the same breath you sell information to companies without permission. This greed in America is ridiculous and as a consumer I am sick and tired of it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed numerous errors on my credit report and the reporting agencies have failed to follow FCRA and FDCPA guidelines when it comes to verification of alleged debt.

Numerous have not been factually documented.

They have not been physically verified as true.

They are not complete as reported.

They have not provided sufficient evidence to me that shows known responsibility and ownership ( not one person has sent an original contract with my signature showing I agreed to conduct business or enter into a contract with alleged debtor ) The compliance of reporting is a minimal of standard. I feel that not all items that meet collection standards meet the requisites of reporting. I am asking the credit bureaus to review every last item being reported to meet these standards and to be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has repeatedly called me told me to go " XXXX myself '' called me 100 times called my elder mom threating her. talk to a XXXX I told him that I was a victim of id theft and that the man was arrested XXXX said he did not care was rude and said his just going to keep calling I told XXXX at XXXX that he could no longer collect because the time frame was up under California law he made up some bs thing! I again told he that the time frame by law was 4 years he was not listen or taking anything I said seriously rude XXXX arrogant! this man has violated every collection law! he said he can do what ever he wants and there nothing I or anyone can do about it!!!
Product: Mortgage

We have started the assumption process for a VA loan with Freedom Mortgage in XX/XX/2023. After providing the initial documents requested, we heard nothing from the loan processor until just before XXXX. He requested other documents which we provided, but we didnt hear anything back until late XXXX or XXXX. However, the person we heard from was a new processor. We had to start the process over, providing the same documents to processor number two. Processor number two requested additional documents which we provided but havent heard anything from that processor only to learn that she no longer works there and we are on processor number three. We have updated the documents, provided additional documents and extended the closing date for XXXX XXXX, but have not heard anything regarding this closing date. We do not know the status or if we are even receiving a closing date. We are all very tired. This should never take this long. I have reached out to the new processor several times as has my husband. We are on the by side of this period the sellers are very tired and we are all losing money waiting for someone knowledgeable to process this loan.
Product: Credit reporting or other personal consumer reports

I received a notification on my XXXX XXXX today regarding a new account being added to my credit report. I did not open this account or gave anyone any authorization to open one.

please remove this fraudulent account from my credit report as it does not belong to me. 

XXXX XXXX
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 : XXXX. XXXX  XXXX - XXXX
Product: Mortgage

I originated a new 1st mortgage with XXXX XXXX XXXX on XX/XX/XXXX-On my  Final CD there was in section H a principal curtailment of {$350.00}. When my loan was sold to Lakeview and transferred there that principal curtailment was never processed and the loan balance reduced. Kept waiting for it to show on XXXX XXXX site but even a year later it never did. 
I contacted XXXX early XX/XX/XXXX and of course they never forwarded the check-they then did so and it was sent to Lakeview/XXXX  XXXX XXXX XXXX on XX/XX/XXXX. Back of check shows XXXX deposit on XX/XX/XXXX-what I later learned was it was applied to a different loan. 
I have been fighting this for almost 2 years now - have copies of all communications and what I think happened was the loan they might have applied it to was payed off so they have no recourse to get the funds back. 
This has been an ongoing issue back and forth with them for way too long-not only do they immediately need to apply those funds to the correct account ( mine ) but I think they owe me interest on this one as well-A FINE against them might even be in order as well. 
At this point I don't even get calls or contacts back and of course their servicing dept. is not showing anything in their system regarding this dispute-it has essentially been swept under the rug and they are probably hoping I will forget about it. I won't and they need a severe smacking from the Consumer Protections Finance Bureau.
Product: Payday loan

Been receiving e-mails from this company stating that I owe them for a payday loan. This has been going on for the past 3-4 years and I am tired of it. I have asked several times for information stating that I received this loan, but I keep getting the run around and they say they ca n't because they have several companies that they work for. I told them that if they have my information and the contract that I signed that they know the company that they claimed I received the money from. I have basically all of the e-mails that have been sent and I have sent back at them requesting all this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thunderbird collections has a collection on my credit report in which I was not the patient nor the financially responsible party. 

I have disputed this with the major credit bureaus, and requested a validation of debt this and they refuse to remove the collection from my credit report. 

The validation of debt clearly shows the patient and financially responsible person is my spouse
Product: Credit reporting or other personal consumer reports

In my credit report I have a tenant court report but the name doesnt belong to me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 XXXX : {$210.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a member of Equifax 3-in-1 Monitoring with 4 FICO Scores in XXXX XXXX. I paid {$12.00} per month for two months already There is only one score provided, and for the 4 Fico Scores. 
Today, XXXX XXXX, XXXX, I opened my Dashboard at Equifax 3-in-1 Monitoring with 4 FICO Scores,  and Equifax is providing me with an outdated FICO score from XXXX XXXX. 
All records of my revolving accounts are incorrect, there is NO ACTUAL PAYMENT AMONTH FOR EACH OF MY CREDIT CARDS, CAR LOAN AND MORTGAGE. The Equifax incorrectly register only the minimum amount and/or the balance. Still, balances on credit cards are outdated and incorrect. 
When I disputed, Equifax just confirmed if the information was existent without looking into more specific information. My credit report has several, the same, repeated accounts/same accounts with the same account numbers which appear more than once on my credit report ( U.S. Dept. of Edu.  Student Loans which were transferred to XXXX ), and Equifax just agreed to verified that they were ever existing. Equifax is keeping repeating accounts on my credit report. Equifax is hurting greatly my credit worthness. Should Equifax include all ACTUAL PAYMENTS I MAKE CORRECTLY FOR EACH OF MY CREDIT CARD/INSTALLMENT LOANS, my score must go up every month. Thus, since I filed disputes last week, MY EQUIFAX CREDIT SCORE WENT DOWN WITH 59 POINTS according to XXXX XXXX. Should Equifax consider my ACTUAL PAYMENTS, WHICH ARE MORE THAN 70 % HIGHER THAN THAN THE MINIMUM REQUIRED AMONTS FOR EACH OF MY CREDIT SCORE, THERE SHOULD NOT BE A DOWNFALL IN MY Equifax or XXXX CREDIT SCORE, BUT MY CREDIT SCORE MUST GO UP ABOVE 720!!! 

I ALLEGE THAT EQUIFAX and or XXXX IS INVOLVED IN DEFLAMATORY suppress OF CREDIT SCORES OF CUSTOMERS LIKE MYSELF, AND HAS NO INTEREST OF FIXING AND RASING THEIR CREDIT SCORES. EQUIFAX and XXXX are HURTING ME negatively and FINANCIALLY SINCE NO CREDIT COMPANY WOULD GRANT ME CREDIT DUE TO THE PURPROUS defamation OF EQUIFAX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX  has kept calling my husband 's mobile phone ( XXXX ) asking for me but never stating their purpose, XXXX, but never on my mobile phone of : XXXX in order to state the nature of the call. To my knowledge, they had both of our phone numbers and had automatic payment setup but instead now they have forwarded us to a collections agent! This is not the customer service that my XXXX  XXXX provided when he XXXXXXXX XXXX  XXXX as a XXXXXXXX XXXX- this is extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had created a credit file a dispute in XX/XX/2021, regarding my mortgage with XXXX for XXXX XXXX XXXX XXXXXXXX. This dispute subsequently closed my Equifax credit report from accepting mortgage payment information and stopped my mortgage account with XXXX from showing up on my Equifax credit report. 
My mortgage company has sent multiple letters to request that Equifax please un-suppress the mortgage file with XXXX for XXXX XXXX XXXXXXXX XXXX allowing the mortgage payments and account history information to be reported to Equifax and available to me. I have not received a response nor has XXXX and this has affected me getting credit approval because I do not have a complete credit report.
Product: Credit card

LVNV Funding is reporting incorrect information on my credit report and attempting to serve court papers based on inaccurate payment details. I do not owe them anywhere near the amount they claim, and I am requesting that this dispute be resolved and dismissed immediately. Their actions are harming my livelihood, and I demand an immediate dismissal.
Product: Money transfer, virtual currency, or money service

Company is used used as a payment gateway ( credit card processing ) for registrations my businesses I receive from regfox.com. In XX/XX/XXXX I was contacted by WePay support indicating to update bank account information because deposits were being declined. Through communications with WePay support it was determined that my bank account ( XXXX XXXX XXXX ) was changed without my authorization on XX/XX/XXXX to a Chase account and all monies from that time until XXXX XXXX were fraudulently routed to the account instead of the correct, XXXX XXXX XXXX account where I received deposits without issue since using WePay 's services. 




I have documentation from WePay support on XXXX asking me to reverify my identity and banking information. This was done as requested and on XXXX I received noti cation from WePay that they were successful in verifying my identity and correct banking information. After that veri cation from WePay that my account was in order, I continued to receive regular email noti cations that monies were being deposited in my account. It was not until I received the noti cation from WePay in XX/XX/XXXX that I was aware that no money was being deposited into my account. The total amount of fraudulently diverted money is ~ {$100000.00}. The exact amount missing is still being calculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to car dealerships to purchase a vehicle but was denied by all three dealers. and all three pulled hard inquires. 

XXXX XXXX XXXX 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 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX/XXXX  XXXX Balance : {$0.00}, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Old XXXX XXXX credit card, a limit of XXXX and it was misused by XXXX so I closed the account voluntary and it will not remove intentionally from transunion in an attempt to get me to purchase their monitoring services. I dispute the items along with cred adj company a third party I never conducted business with.in which it is fraud and violates fair credit rep
Product: Debt collection

i was paying a monthly fee to XXXX XXXX to provide me with XXXX service, My service went out in XXXX XXXX XXXX and they could not fix it over the phone. After XXXX  days without XXXX service they sent a technician out to repair the service. i had not made any changes to my service for over XXXX  years. In XXXX XXXX XXXX I cancelled my subscription with XXXX XXXX and switched to another service which is paid for by my children since I retired. XXXX XXXX sent me a bill for {$420.00} for early cancellation because I upgraded my equipment at the time of repair and that started a new XXXX  year contract. I told XXXX XXXX  that I did not upgrade anything, I just wanted my XXXX service restored that I was paying for every month. I did not change anything. I did write and mail a dispute letter directly to XXXX XXXX per instructions on their website but never heard anything back. Since then they have turned it over to Credence Resource Management , LLC. I have sent them a copy of the dispute letter and they said they would forwarded it and let me know the results, never heard a word. I did this XXXX  and still nothing. I still get letters from them requesting payment or for me to file a dispute. I also, receive many phone calls from trying to collect the debt. I have called them XXXX  now and told them to either drop the case with prejudice or take me to court. I need the harassment to end, I have an excellent credit rating and i do not need this on my credit report. Thank You