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

I am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXXXXXX XXXX XXXX  XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX
Product: Debt collection

I called the collections company the day I received the notice. I disputed it that day. They told me they sent XXXX  ( the cable company who made the original mistake, underlying this issue ) a notice that it was under dispute. I then spoke to XXXX who agreed to process a request to write off the remaining 9 ... a request that was rejected ( according to XXXX  ) only because Credit Control Corporation never in fact submitted my dispute. In effect, they lied. ( XXXX, employee ID # XXXX can confirm this on the XXXX side ). And a direct result of their lie was that XXXX 's attempt to cancel this utterly insane debt, was denied.

One would like to think that lying to folks about whether their alleged debt is under dispute or not would be a violation of federal law.
Product: Credit reporting or other personal consumer reports

I am disputing this account because I do not owe this debt to such company, the collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and has not allowed me to dispute the account under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). These omissions have led to a violation of my consumer rights. I have recently contacted the other credit bureaus ( XXXX, XXXX ) regarding this matter, and they promptly corrected the inaccuracies in my credit report. I am hopeful that Equifax will take similar action to rectify this issue and ensure that all items on my report are accurately and fairly reported under FCRA regulations. The Collection Agencies reporting practices, which involve false and misleading information, are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), and have been corrected by other agencies.
Product: Debt collection

In XX/XX/2022, I called in and set up a payment arrangement with XXXX XXXX XXXX  for a total of {$50.00} originally, then $ XXXX month afterwards, in which, then my account balance was on {$550.00}. The representative that I spoke with, a female, acknowledged the arrangement as she tried to get me to make a payment of {$110.00} on that day. I told her that I did not have that amount on that day, but I would happily make the {$50.00} payment, and the {$100.00} payment in the following month. The following week, I received a call from a male representative from XXXX XXXX XXXX  asking for a payment, I advised him of the arrangement that I had made the previous week, in which he denied seeing in their system and he even stated that XXXX XXXX XXXX  does not offer payment arrangements, although on my XXXX XXXX XXXX  app, it states to call them if there is difficulties making payments, in which I attempted to do. The following week after I had spoken to the male representative, I discovered that my whole account was locked. the last contact with XXXX XXXX XXXX  was a paper statement in XX/XX/, asking for a payment of {$61.00}, although my account was locked by then. In XXXX, XXXX  upon my last availability to access my account, my balace was on $ XXXX. In XX/XX/2022, I started receiving debt collectors letters from a company named XXXX XXXX XXXX XXXX who said that they were a debt collector, trying to collect a debt for LVNV for {$940.00}, a company in which I had never had business with, nor have even heard of. Upon checking, it states that LVNV was a debt collector, attempting to collect a debt for XXXX XXXX XXXX. As time goes by, I started receiving the same letters from a company called Resurgent Capital Services, who is trying to collect a debt for LVNV Funding, LLC on behalf on XXXX XXXX XXXX. I am disputing the amount of the debt, I am disputing the companies involved, in whom I've never had any business with. I'm not an expert by far, but this look very predatory to me. How does my account go from the {$600.00} 's, to lock, then to debt collectors, trying to collect debt for one another for {$940.00}?. How does my account continue to grow interest and fees when it's " closed. ''
Product: Credit reporting or other personal consumer reports

Reinvestigation Request- I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late. If you can not provide me with this information in 15 days update the account to PAID/NEVER late and send me a copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I paid in full a collection reported on my credit report from diversified adjustment services. Trans Union continues to report this debt as open and unpaid. Diversified adjustment services verified that this debt was paid in full with Trans Union on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX each time Trans Union denied my dispute and stated information was unchanged and had been verified by the collection agency. I contacted diversified adjustment services and they verified with me that they reported the Trans Union on numerous occasions that this debt was paid in full. I again contacted Trans Union. They refused to allow me to speak to a supervisor and continue to report this information incorrectly. Since an additional dispute is in process, they would not allow me to upload any supporting documents and refused once again to allow me to speak to a supervisor. This debt is paid in full and is being reported incorrectly and is causing me damages. I have had difficulty obtaining credit due to this collection being on my report.
Product: Credit reporting or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education/ Aidvantage reported inaccurate information on my credit report. The accounts were removed from XXXX report because of the violation. 

Aidvantage has still fail to remove the accounts on my XXXX & XXXX report which still are causing a reporting issues of inaccuracies. 

By law everything should be reporting the same across all 3 bureaus. 

15 usc 1611- false & inaccurate information willing & knowingly
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date XXXX XXXX XX/XX/2021 ; XXXX XXXX  Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX  Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the creditor Lead Bank regarding significant inconsistencies and inaccuracies in the reporting of an account on my credit reports. Despite my repeated attempts to rectify these errors with both the credit bureaus and XXXX Bank, the discrepancies persist. The account details, as reported by XXXX, XXXX, and XXXX, exhibit inconsistencies and incomplete information that remain unresolved. The account in question is outlined below : - XXXX and XXXX report the payment status as paid or pays as agreed, while XXXX claims Paid account/was XXXX  days past due date two or three times. 
- XXXX reports None Reported under worst delinquency, but XXXX and XXXX indicate 30 days past due. 
- Discrepancies exist within the payment history, with multiple months displaying no data. For instance, XXXX reports a XXXX late payment in XX/XX/XXXX and XX/XX/XXXX, which neither XXXX nor XXXX are reporting. 
- XXXX does not provide the date closed for this account. 
- XXXX and XXXX do not provide any data in the terms field. 
- There is no dispute remark, despite this account previously being in dispute. 

Attached is a copy of the account details from my credit reports, illustrating these inconsistencies.
Product: Checking or savings account

I requested a wire transfer. Ally then locked my account for no reason. I called numerous times and I have provided all information that Ally told me to send them. I have asked to speak to a supervisor and I had to leave a message and after calling the fraud department again they told me it would be a few days before a supervisor returned my call. I asked the rep XXXX what Ally 's address is and he told me to go look it up in XXXX. I did XXXX it and Ally has numerous Address 's so which one to contact is difficult to determine. Most of the customer service reps have been unhelpful. Even though Ally claims they are available 24/7 that is not the case. I have called in the middle of the night and I am told to make a selection and it does not allow me to. Ally 's customer service has has dropped into the gutter. You can only contact their fraud dept from XXXX XXXX  to XXXX and then they request proof of life and all sorts of personal identification which I have previously provided them when I opened my accounts and my accounts are still locked. I only found out my accounts were locked by accident. Ally sent emails but they should have called me. The emails said I had to call and verify some information which I did now Ally takes their time verifying the info I sent and my accounts are still locked. I have been a customer of Ally for at least 10 years and once I sent the information they requested they should have unlocked my accounts. Does Ally have this much supposed fraud going on that it takes them days to verify my info. Something is wrong with Ally to have this much fraud taking place when a long time customer like myself is suddenly lcoked out of my accounts and then Ally will not resolve the situation in a timely manner and then not able to contact a supervisor.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As I Was Saying On The Previous Screen I Wrote The Courts They Responded They Do Not Report Anything To Any Credit Reporting Agencies. I Wrote Each Credit Bureau Asking To Please Remove It They Replied As Verified And Accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and saw some enquiries that I did not authorize, some of which are reporting two times.

.

XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2018 XXXX   Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2017 XXXX XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX Inquiry Date..XX/XX/2018 XXXX XXXX XXXX   Inquiry Date..XX/XX/2017 XXXX Inquiry Date..XX/XX/2017
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX XXXX  XXXX sold my home equity line to Specialized Loan Servicing a few year back. When we were going through the pandemic I had a covid related issue and SLS allowed me forebearance. Last year they gave me a trial modification wherein I was supposed to pay {$320.00} ( approximately ) a month for three months and then it would be a permanent payment. I paid the amount the first month, the second month I lost my mom and just was distraught. At the end of the second month I called SLS and explained to the representative, she said don't worry about it, just pay the 2nd and 3rd month now and you will be fine. I paid the {$670.00} and was waiting for the permanent adjustment. 

This year I was getting letters and calls from them stating that I had to pay thousands of dollars and that I should not have missed the 2nd payment, they were rude and threatened to foreclose on my home even talking about short sale. They sent me paperwork for a modification again. I have income and have 2 folks that live with me that are giving me money. I am extremely stressed because instead of trying to work with me they seem determined to foreclose/cause a short sale which it would not be a short sale technically because I have equity that exceeds the amount owed. I think it is wrong that they would agree to accept the two payments and then turn around and not want to give me a modification. Also I have applied to them for a modification and can show where I can make the payments. They are a very deceptive company and should be punished.
Product: Credit reporting or other personal consumer reports

I previously disputed this account and requested that it be blocked because it is the result of identity theft. I submitted all required information to this company and the item was removed. I have recently noticed that this item and several more have populated back on my report. I reached out and let this be known and all those accounts have been removed accept this one. I have called several times about this and have been told that it has been removed. My credit updated today and the item is still reflecting on my report after being told several times that its gone.
Product: Checking or savings account

XX/XX/XXXX I entered a payment of {$130.00} to my XXXX credit card ( handled by XXXX Bank ) through my Capital One checking ( XXXX ) bill pay service. The payment was sent electronically, funds withdrawn on XX/XX/XXXX and processed on XX/XX/XXXX. 
XX/XX/XXXX I received a XXXX credit card statement showing no payment was made. I took a screen shot of the bill pay confirmation and sent it to XXXX on their website portal. XXXX responded that they would look into it. 
XX/XX/XXXX I received another XXXX credit card statement showing no payment and more late fees added. I realized the account number on my billpay and on my XXXX account did not match. I had received a new card in XXXX and did not realize the account number also changed. I called XXXXXXXX  and the rep told me that in the investigation they would find my account with the old account number and it would be reconciled. 
XX/XX/XXXX I received a request from XXXXXXXX to ask my bank to trace the payment and provide them with the electronic transmittal inquiry form, which I did. 
XX/XX/XXXX Capital One card investigations emailed me the proof of payment including the electronic payment trace number. They also included in the email that the payment was accepted by XXXX and not rejected. I sent the email and proof of payment form to XXXX 
XX/XX/XXXX XXXX sent a letter saying they were unable to verify their bank received the funds for the paymnet and for me to contact Capital One. I contacted Capital One and they so the proof of payment is evidence that the money was sent so there was nothing more they can do. 
XX/XX/XXXX I filed a complaint with CFPB against XXXX Bank for not recording my payment. 
XX/XX/XXXX XXXX bank mailed a letter saying the mailing address on the billpay was incorrect. I called Capital One regarding this address error and they confirmed since the payment was sent electronically the mailing address was not used and did not affect the transfer of funds. I asked that they put this in writing, but they said they were not able to do that. They said the money was sent to XXXX and XXXX did receive it and keep it and that was confirmed in their investigation. 
I have since filed complaints against XXXX with CFPB ( again, this time noting the incorrect physical address did not affect the electronic transfer to them ), the XXXX  Attorney General 's office, and the FDIC. XXXX only responds with " our decision remains unchanged ''. 
I have banked with Capital One for years and have never had any issues, but I don't know who to believe in this situation. I tried to rectify my errors, but the address error Capital One told me didn't matter and the account number error XXXX told me didn't matter. The funds were taken from my account, but since then there is no record of them. I don't know how an electronic transfer trace isn't enough evidence, but this makes me question using Capital One or any bank because a vendor can just say they never received it. XXXX now has my balance at {$130.00} + fees totally well over {$400.00} and my credit score has dropped due to this banking error.
Product: Credit reporting or other personal consumer reports

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.
Product: Debt collection

I had a XXXX XXXX and all of these collections that are medical in nature from XXXX XXXX XXXX. I asked them to do 2 things : 1. Please send me detailed billing because in the past every time I had a bill there I was " over charged '' or " charged for things not done or administered. ( Never Recieved! ) 2. I was willing ( after # XXXX ) to " combine '' what I did actually owe and pay them off or settle w/them. I CAN NOT GET VERIFICATION AND I WILL NOT BE XXXX AGAIN!! Please help me!!
Product: Debt collection

I didn't know about this judgement. Never received a notice. However, I was never severed by mail, I wasn't residing in the State of Michigan for the past 5 years. The debt, must be a charge off creditor. However, The stature of limitations has been longer than 7 years, of no payment or contact, by mail and or phone. Time barred account. They took my income tax, I filed with the state of Michigan. This is a ROGE collection company. Looked up their history, in doing business with people.