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

XXXX COLLECTS ON ID THEFT. XXXX does not follow FTC Guidelines on web consumer information ftc. gov Report ID Theft. 
Credit Cards ID THEFT INCLUDE : 1 ) Unauthorized Charges XXXX is well aware of Unauthorized Charges XX/XX/XXXX. ( see XX/XX/XXXX XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED. 
2 ) Charges for goods & services you did not accept or that were not delivered into your hands as agreed.XXXX  DENIED MY REQUEST TO PROVIDE WRITTEN DOCUMENTATION PURCHASES MADE BY ME ie IP address AND ACCEPTED DELIVERY signature post office or delivered into my hands ( see attatched Criminal Investigation letter of XX/XX/XXXX USPS NOT DELIVERED BEGINNING XX/XX/XXXX ) Furthermore FTC is very clear if creditor is 15 days too late OR TAKES MORE THAN TWO BILLING CYCLES TO RESOLVE DISPUTE. XXXX SEE ALL UNRESOLVED FRAUD BELOW ** Kindly Note attatched FRAUD LETTER CLAIM DATE XX/XX/XXXX TOOK UNTIL XX/XX/XXXX. Ten 10 months TO COMPLETE THE FRAUD INVESTIGATION OF XX/XX/XXXX. Kindly Note attatched XX/XX/XXXX statement THERE ARE NO XXXX CREDITS. Futhermore see attatched. NUMEROUS UNRESOLVED FRAUDS XXXX FAILS TO RESOLVE. ( see attatched XXXX   Dispute XXXX has Certified to XXXX  that the information is Accurate. THIS IS FALSE CREDIT REPORTING AND ILLEGAL. THIS HAS NEVER BEEN RESOLVED TWO YEARS LATER!!!???!!
Product: Debt collection

I was checking my credit and noticed that there was a debt collector agency on it by the name of National Credit Systems Inc. dated XX/XX/2018. I immediately called the landlord XXXX XXXX in XXXX XXXX, Texas that the debt came from to see what it was for and wanted to know why I did not receive a notification letter because I never received one from the collections agency or a call before the debt was placed on my credit. I could not reach them so I called management company XXXX XXXX and spoke with someone in the billing department and she claimed the assistant manager XXXX at XXXX XXXX claimed a letter was sent but returned per email dated XX/XX/2018. This is not true and I do not believe it. I gave them all of my forwarding information and I never received anything. Not sending a notification to tenant regarding debt is a violation of Texas tenant law because the notice should come within 30 days after departure which was XX/XX/2018. Texas law sec 92.109. XXXX sent me straight to this collections agency. The collections agency sent me a letter on XX/XX/2018 4 months after it was placed on my credit and 7 months after my departure from XXXX. XXXX XXXX from National Credit called me in XX/XX/2018 on a recorded call and said that she will send me another letter with verification to assist me in disputing the debt. I never received the verification letter from National Credit Systems , Inc. She immediately sent me to a third party. I called National Credit Systems and asked where was the letter and they said I had to talk to the third party company. This was another violation Texas law sec 92.110. This was wrong and should have followed proper protocol. The debt collection company violated me here and I never got to dispute with them if I needed to. They also placed on my credit that I did dispute the matter which is false and manipulative. The collector made an improper move here that was not right. I never ever received anything after the first letter. I think it's unfair to pay for something without verification as to what it is and with so many scams out there when this happened I didn't trust the situation and wanted to call the authorities because I feel that National Credit Systems , Inc. and XXXX XXXX have violated the Texas state tenant law here with how this was all handled to get money and that the debt was bogus. I also feel that this situation was manipulated on purpose due to personal issues with the assistant manager XXXX. I feel that she was manipulative and made promises that she did not keep. This was a new management company that came in under this lease and I assure you that the old management company would have never done this. This is improper treatment and I feel totally violated.
Product: Debt collection

Received summons to appear in court on XX/XX/2021. I called Credit Corp to find out what this was about and why I had not been notified of this earlier. Credit corp said I was served papers in XXXX last year. Claim I was served by placing on my door. I never received a phone call or letter till the XXXX summons to appear in court. I send a letter Credit Corp to verify my signature and have received no paperwork with signature. Been over 30 days.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report information that is incorrect. The account listed as XXXX XXXX Account # XXXX has late payments and other information within the account is different from each consumer agency this means this account has not been properly verified or investigations into my previous disputes. Neither consumer agency has access to my private transactions history if they did this would be a violation of my right to privacy and then you could be held civilly liable for damages. Account Rating is different, Creditor Remarks are incorrect, Last Payment, Creditor Type. This account could not have been properly handled due to these inconsistencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity ThefXXXX XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. 

Since the breach, I have experienced unauthorized access to my accounts and have incurred financial losses as a result. Despite taking preventive measures, including placing fraud alerts and credit freezes, I continue to face challenges in securing my identity. 

I urge XXXX to take responsibility for this breach and provide adequate support to affected individuals like myself. This includes enhanced identity theft protection services, timely notifications of any suspicious activity, and assistance in resolving any related issues. 

I hope to receive a prompt response addressing my complaint and outlining the steps XXXX will take to rectify this situation for its victims.
Product: Debt collection

On XX/XX/17 I was contacted by XXXX XXXX, stating that their client XXXX XXXX bought old debt from Commenity Bank, I they were serving me as they spoke to me extremely aggressively to say they will fight in court and serve my employer for wage garnishment, which made me reactive because Im in XXXX. Thus debt they said was very old, but would not share anything else. They also somehow got my daughter XXXX number and called it yesterday knowing they had mine to say they were looking to teach me. This was an elaborate scheme. I called Commenity a Bank yesterday as well and they went back nearly 20 years in the Recovery dept, and have no charge offs or anything negative on my file-No unpaid debt. This company would not substantiate anything and made me feel pressured to sign Now to settle debt at {$1100.00} I quickly called XXXX XXXX Bank where I the payment from and put a stop on it
Product: Debt collection

Durango Credit & Collections is attempting to collect a debt to XXXX XXXX XXXX XXXX both located in XXXX, Colorado. I am not and have not been a patient at XXXX XXXX   XXXX XXXX. They refuse to remove the debt from their collection account as well as my XXXX  Credit Bureau account. This is not my debt as I have never been a patient of this clinic.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. Accprding to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ) there are specific permissible purposes for obtaining a credit report. I did not authorize these account ans can not find any permissible purpose under this section that justifies their presence on my report, hard inquiries, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit file related to my XXXX XXXX account ( Account Number : XXXX XXXX ). Upon reviewing my credit reports, I noticed a material discrepancy in my payment history between Experian and Equifax. While Experian reflects a single 30-day late payment in XXXX, Equifax inaccurately reports a 60-day late payment in XX/XX/XXXX, which is factually incorrect and detrimental to my credit standing. 
Legal Basis for Dispute : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), data furnishers are obligated to report accurate information. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information.

Furthermore, the FCRA, 15 U.S.C. 1681e ( b ), requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. The conflicting data between Experian and Equifax indicates a clear failure to maintain accuracy. 
Additionally, under XXXX XXXX TransUnion Corp., 115 F.3d 220 ( 3d Cir. XXXX ), courts have ruled that credit bureaus must do more than merely parrot information from furnishersthey must conduct meaningful investigations. Given that Experian and Equifax report different information, it is evident that at least one of these bureaus is reporting inaccurate data. 
Requested Action : I formally request the following corrective measures be taken : Conduct an immediate reinvestigation of the XXXX XXXX accounts payment history. 
Remove the inaccurate 60-day late payment entry for XX/XX/XXXX. 
Provide me with a written confirmation of the investigation results and any updates to my credit report. 
If the disputed information is verified as accurate, provide a detailed explanation of how this determination was made, including the name and contact details of the data furnisher. 
Supporting Documentation : I have attached the following : A copy of my Equifax and Experian credit reports highlighting the discrepancy. 
Failure to address this issue within the statutory 30-day timeframe will leave me no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue all legal remedies available under the FCRA, including statutory and punitive damages for willful noncompliance under 15 U.S.C. 1681n.

I appreciate your prompt attention to this matter and look forward to your response. Please provide all correspondence in writing. 
Sincerely, XXXX XXXX
Product: Mortgage

My Mortgage loan is serviced by Flagstar. When I fell behind I began working with XXXX and was also assigned a Single Point of Contact ( XXXX XXXX ) at Flagstar. I have several recordings with Flagstar trying to get in contact with my XXXX XXXX XXXX yet after numerous calls, request for a direct email, or a direct contact number I have been told that anyone in customer service could help with my loan. I had filled out Loan Modification Documents and mailed them back to the specified address yet the documents were never received. I would have Flagstar customer service then mail out new modification documents and remain them only to have the same outcome. Now I am facing foreclosure in 2 weeks and I speak with a customer service rep. that tells me I can simply upload my Modification documents thru my online loan account. I immediately go online to access my account in which I find I am LOCKED OUT OF! I call flagstar customer service and tell them the issue and have them reset my account. I upload the modification documents as well as my XXXX documents and Point of Contact with XXXX. With only 2 weeks away from foreclosure I just received a letter from Flagstar stating my NEW SINGLE POINT OF CONTACT WILL BE XXXX XXXX!!!!! With only XXXX weeks to foreclosure I am terrified I will not have enough time to finalize either my loan Modification or HomeSafe Approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email informing me that I had preapproved offers for a personal loan and that I could click on it and it would not effect my credit score! So I went through the process. Got my results. Didnt like any of them. And closed out my browser. Immediately following that, I got an email from XXXX stating I was denied, this after saying that my scores wouldnt be effected, and that It was a result of my TransUnion report. In the body of the email from XXXX, it states XXXX XXXX. Not once was that in the list of offers. I did not apply for any loan and was tricked with this email from XXXX XXXX and the email completely lied when it said my credit would not be effected to take a look at the offers. See attached emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Bank of America Credit Card to see what my available credit line was for the purpose of business. At that time I was informed by Customer Service that I was delinquent in my account with past due and late fees. I was surprised as I have this account set up on automatic draft as I do my other credit cards as well, XXXX to be exact. I immediately paid what was over due to become current on my account in the amount of {$320.00} plus my normal {$100.00} auto draft. When I returned home to my office on XX/XX/XXXX I began to audit my paperless credit card statements. I found that in XX/XX/XXXX between promo interest rates and new charges that my minimum payment had increased from {$85.00} to {$110.00}. I received no alerts between XX/XX/XXXX through XX/XX/XXXX other than my monthly paperless statements. During the holiday months I usually pay the minimum on all XXXX credit cards via Auto draft so that I don't have to worry about late fees. On all of my other credit cards that I have in the auto draft set-up there is a box to pay the minimum due payment regardless of change to the amount. On Bank of Americas website they do not offer this option, you can only manually enter an exact amount. On XX/XX/XXXX I received a letter from Bank of America that my {$11000.00} credit limit had been reduced to {$7500.00} on XX/XX/XXXX I made an extra payment of {$1000.00} and after careful review I realized that not only had they charged me multiple late fees and added interest rates, they also reported such to the 3 major credit bureaus which resulted in a 68 point reduction in my credit score. I have honestly never missed a payment or been late on anything in my entire life. Although I do utilize my credit for business purposes, that is a substantial mark on my credit history. I have reached out numerous times to different customer service reps which results in hours of holding times and countless repeats of this occurrence. On XX/XX/XXXX I received yet another letter from Bank of America that simply states " We are unable to approve your recent request regarding the above account '' with no explanation as to why or what they didn't approve. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XXXX @ XXXX XXXX  I was contact by Portfolio Recovery about at debt at my work phone number. I immediately asked the representative to remove this number and not call me at my job again, as I am a XXXX. In review of my work caller ID, I was contacted again on my work phone on dates : XX/XX/21 @ XXXX XXXX  XX/XX/21 @ XXXX XXXX  On XX/XX/21 @ XXXX XXXX  I received a call from a " wireless number '' instead of it stating " Portfolio Recovery. '' I informed the rep again, that they should not be contacting me at work, and they can contact me by my cell phone or by mail. I informed the rep, that I had already told someone this on the previous Thursday. 

On XX/XX/21 @ XXXX I again had another missed call on my work phone from " Portfolio Recovery. '' Since the first time I informed this company I am not allowed calls at work, they have continued to contact me ( at least 4x. ) They will also change the phone number they are calling from to get someone to answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX XXXX are reporting a {$9900.00} fraudulent loan on my credit report. I have disputed this loan several times and it is still reflecting this fraudulent loan on my account. 
This loan is a case of identity theft. I have attempted to contact XXXX XXXX XXXX to tell them this was fraudulent and inaccurate. I also reported this fraudulent account to Equifax who also have refused to update and remove the account from my credit report. 
I have repeated since XX/XX/22 asked Equifax to remove this account because it was a case of identity theft. Have incorrectly verified the account has accurate.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND HAVE BEEN FOR YEARS .CHECKING MY CREDIT REPORT, I NOTICED NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON OR PERSONS USING MY IDENTITY, WITHOUT MY AUTHORIZATION, KNOWLEDGE OR PERMISSION. MY WALLET CONTAINING MY, ID, DRIVER LICENSE, AND SS CARD WERE LOST DURING MY CELEBRATION AT MY HOME AND NEVER RECOVERED OR RETURNED. THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

As a Chase checking account holder for many years, I am very shocked and and surprised they declined my credit card application on XX/XX/2016. XXXX number for this transaction is XXXX. 

As a practicing attorney for nearly 21 years, I have n't seen the reason for declining the application ; " Too many credit cards opened in the last 2 years. '' Nowhere on their credit application does it state where it will decline one based on their number of open credit cards during the past 2 years. If this was stated beforehand, I would n't have applied for a Chase Slate Card. 

This created a " hard inquiry '' on my credit report and based on Chase Bank not disclosing such information, I am requesting they remove this hard inquiry from my XXXX credit report or to open and grant a credit card account, as I initially requested. 

I hope Chase Bank can resolve this issue immediately by either removing inquiry or opening a chase credit account based on my income, assets and information on my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to dispute the accuracy of the below seven XXXX XXXX XXXX accounts. The Equifax credit report states that the  Date Major Delinquency First Reported was XX/XX/XXXX. This is incorrect. I paid off the account in full on XX/XX/XXXX. In addition, the Current Status needs to be updated to Paid. 

I contacted XXXX XXXX XXXX  and they said that Equifax is not reporting the information sent to them and Equifax needs to fix it. Please resolve this as soon as possible. 

Below are my student loan account numbers with XXXX XXXX XXXX : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX I have attached the XXXX XXXX XXXX letter showing the status should be PAID. The Date Major Delinquency also needs to be corrected to XX/XX/XXXX. 

Equifax confirmation number is XXXX
Product: Mortgage

I received my XX/XX/year> mortgage statement from Selene today. According to Selene Finance, I am in arrears and owe {$4200.00}, this is a false statement. 
I was told to follow up with you XXXX XXXX from Selene Finance, regarding my mortgage payments that are not being credited to my account promptly. All mortgage payments are being submitted through electronic funds transfer from XXXX XXXX to Selene Finance LP on the first of the month or closely dated. These payments are Peer to Peer payments. And every month this years XXXX  payments are either not received or the check is cashed very late ( over a month ). I incur late fees and bad credit. 
Peer-to-peer bank payments are not being recorded at Selene Finance LP and I am being penalized further, I DO NOT WANT SELENE FINANCE LP withdrawing money out of my bank account through XXXX. That option is not available to me because Selene Finance states, I am in arrears with my payments, that option is for people with good-standing credit. 
I have contacted Selene Finance LP who promptly stated I am on a recorded line with XXXX XXXX XXXX  ( also on a recorded line ). Each bank has confirmed the following : 1. Selene received the payments and they held onto it for two months without notifying me 2. Selene Finance LP reported my payments as late to the credit bureaus 3. Selene Finance LP has only returned ONE LATE FEE of {$190.00} to me when actually owe for every month that has been reported late, and additional fees have been applied to my account 4. As of todays writing, my mortgage payment has not been applied. It was made on XX/XX/year>XXXX  has NOT been credited to XXXX payment, my XX/XX/year>XXXX  statement ( attached ) says I owe {$4200.00} including late {$150.00} for this months late fees. 
5. I made a mortgage payment directly to Selene Finance LP on XX/XX/year> for XX/XX/year>XXXX  and Selene Finance LP says that the payment received will be applied to XXXX and Selene they will report me late for XXXX ( already reported as late ). The process continues every month. XXXX XXXX says they mailed Selene Finance the check on XX/XX/year>. Selenes response from the person on the recorded line was that I must mail the check earlier because it takes up to four weeks for a check to cash, why is that? 
Please investigate and return the late fees charged to my mortgage account. 
Selene should get an online system that can make payments using XXXX XXXX. If Selene can not allow me to make payments with XXXX then allow me to make payments through XXXX from my bank that are cashed expeditiously. 
Peer-to-peer payments are being held by Selene Finance LP and penalizing the consumer. I will contact the Consumer Financial Protection Bureau and XXXX XXXX XXXX officials. 
Its about time Selene Finance fixes its internet and postal service issues and stop penalizing customers for their own failure.
Product: Debt collection

I was contacted by Preston Clark & Quinn ( XXXX XXXX ) in XX/XX/XXXX regarding a debt for a charged off credit card from the XXXX XXXX. I established a payment plan with them to resolve the debt, and made 2 payments on XX/XX/XXXX ( from two separate accounts ) to settle the debt in full. The company never sent me a paid in full letter per the verbal agreement, and has been unresponsive to phone calls, voice messages, and email requests for the debt settlement letter or contact information. The original creditor recently started to withdraw money from my military pay in XX/XX/XXXX, which is how I discovered that XXXX XXXX defrauded me.