23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I contacted LexisNexis to dispute the incorrect information on my report that listed on my consumer report. I had disputed three items, one of the items being disputed was my education listed on my report. Initially, LexisNexis had stated I went to XXXX XXXX as an XXXXXXXX XXXX. I never attended XXXXXXXX XXXXy nor earned my XXXX XXXX XXXX. I earned a XXXX XXXX XXXX with an Interdepartmental degree in XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX with a Double major in XXXX from XXXX XXXX XXXXXXXX in XXXX. In addition to earning a XXXX XXXX XXXX from XXXX XXXX XXXXXXXX, I earned a XXXX XXXX XXXXXXXX XXXX in XXXX and a XXXX XXXX XXXX XXXX with a concentration in XXXX XXXX from XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, Indiana in XXXX. Then, I earned a XXXX XXXX XXXX in XXXX with a concentration in XXXX XXXX in XXXX. To ensure my education record was recorded by institution, I went to the XXXX XXXX XXXX which is a database that holds academic records from academic institution. I paid {$39.00} to verify this information and I was successful verified through XXXX XXXX XXXX of my education records. 

I provided LexisNexis with the necessary documentation to update my record, and I was told by LexisNexis in their report of the dispute that the information of my education record was unverifiable dispute providing them with the documentation to update my education record on my consumer report which was used from my background check.
Product: Debt collection

Two items I'm disputing, first one is : Months ago, maybe a year ago, I noticed that there was a " debt '' showing as unpaid on my credit report. I contacted the dr 's office ( XXXX XXXX in XXXX XXXX, FL ) and they agreed that it was paid years ago and it shouldn't have gone to collections, they said they'd fix it. They didn't - I contacted them several times and each time they didn't correct it. I wrote a letter in XX/XX/XXXX. I received notice from XXXX stating they corrected it. But now I still see it on XXXX ' report. See below. 
Updated collection, XXXX XXXX XXXX, XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS, BUSINESS TYPE, ACCOUNT TYPE/STATUS, BALANCE, XXXX XXXX XXXX XXXX, UNPAID, $ USD XXXX Second dispute is : New collection, AR RESOURCES INC, XXXX, XX/XX/XXXX BUSINESS NAME/ADDRESS, BUSINESS TYPE, ACCOUNT TYPE/STATUS, BALANCE AR RESOURCES INC, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, Collection, {$100.00} This is for another medical bill from XXXX XXXX XXXX. I had made arrangements for monthly payments and I paid it off even sooner than agreed. I contacted both XXXX XXXX XXXX and AR Resource. When XXXX XXXX said I didn't have a payment plan, I asked them to have a supervisor call me, I'm still waiting for the call!. The balance is XXXX on this and should not have gone to collections! 
It's frustrating to get medical care, pay your bill and still get sent to collections - probably due to the incompetence of entry level reps. So here are two medical offices that people should try to avoid!
Product: Mortgage

I took over my fathers trust mid XX/XX/XXXX and have been successor of the trust since then the company Green tree servicing is who I had a forbearance with then some how in XXXX they where sued by cfpb and I never heard anything from them again then XXXX hit XXXX hard and then after I never heard anything from anyone I tried reach out to XXXX XXXX XXXX BUT WAS UNABLE AND UNSURE HOW TO GO ABOUT HANDLE THE Loan so I was receiving anything an no mail was coming to the XXXX address the fast forward to XXXX XXXX still never informed me and began a foreclosure action against my fathers trust knowing that he was deceased I was never notified and then in the XXXX of the foreclosure proceeding XXXX XXXX sold the loan to shellpoint llc and when they transferred the servicing over to shellpoint Loancare had given the new servicer a XXXX XXXX and none of the documents bills nothing from shellpoint went to the XXXX address I have sent in Notice of errors and asking for resolution this has been going on for months I would really like some sort of help
Product: Debt collection

This complaint is regarding a collection/charge off reported on my XXXX XXXX credit report XXXX acct # XXXX for XXXX XXXX XXXX it is a collection/charge off for {$1200.00}. Who is a company they are trying to collect a debt for, however this information is inaccurate, and this debt does not belong to me. I have tried to reach out to the company several times for an explanation/investigation but have been unsuccessful, and i would like the collection completely removed off of my credit report.
Product: Debt collection

Debt pleading paper was submitted to debt collection agency, and debt collection letter sent for follow up for more information. Both documents were sent by certified mail on XX/XX/2024, collectors did not pick up mail until the XXXX. 

The company did not supply any of the requested information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/year> Americollect Inc XXXX XXXX XXXX XXXX, Wisconsin XXXX Dear Sir/Madam, I am writing to dispute any and all debts that you claim I owe to your agency. I am formally requesting that you provide validation of the debt in question, as well as the purchase agreement between your agency and the original creditor. 

Furthermore, I am revoking all rights for you to communicate with me via email, text, or phone calls. Please respect my request and refrain from contacting me through these means. 

Additionally, I am requesting that you furnish proof of being licensed and bonded to operate as a collection agency. It is important for me to verify your legitimacy before proceeding with any further communication. 

I would like to bring to your attention that you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have placed a collection on my consumer report. This is a violation of consumer laws and I demand that you rectify this immediately.

Furthermore, I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( D ), which is another violation of my consumer rights. Your agency 's use of false misleading, misrepresentation, and deceptive means is unacceptable and must cease.

It is important to note that you have no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I expect prompt action on your part to address these issues and provide the requested information. Failure to do so will result in further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX
Product: Debt collection

Hello there this debt do not belong to XXXX XXXX and i request any type form ( ID .ETC ) & My signature and i request any contract that has my signature to Validate this Debt! if Such Forms not available i demand to remove this collection account Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the deletion and removal of the specified accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported in any way, as their inclusion violates the FDCPA and FCRA. I kindly ask for their immediate removal from my consumer report, as their presence infringes upon multiple laws. Please take prompt action to remove these accounts and information without delay.
Product: Credit reporting or other personal consumer reports

This is my second formal dispute regarding the inaccurate personal information still being reported on my credit file, and I demand immediate resolution. My correct personal information is as follows : my full name is XXXX XXXX XXXX, and my current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The continued misreporting of incorrect personal details is a direct violation of my rights under the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to ensure maximum possible accuracy in consumer reports, and failing to correct these inaccuracies despite my previous dispute constitutes willful non-compliance. Additionally, under 15 U.S.C. 1681b, my consumer report must only be used for legally permissible purposes, and the presence of incorrect personal data compromises this protection. By failing to correct this issue after being formally notified, the credit reporting agency is in violation of federal law and can be held accountable under 15 U.S.C. 1681n, which allows for statutory damages of up to {$1000.00} per violation, as well as punitive damages and legal costs. If this matter is not resolved immediately, I will have no choice but to escalate my complaint and explore legal action. I demand that my personal information be immediately updated to reflect the correct details provided above. Additionally, I require written confirmation once this correction has been made. Please address this matter without further delay to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 @ XXXX Jefferson Capital Systems , LLC Company sent me an email regarding a supposed debt that is owed. However, I never provided this company my email address at any point nor have they attempted to mail mail me their complaint. I believe that this company has been hacking my emails. Given the fact I do not owe this company anything since I never entered into a contract with Jefferson Capital Systems LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

We got a XXXX XXXX XXXX from this car company in. From the very beginning we had problems with the car from the wheels coming off while driving with my family in the car to the engine and transmission going bad all within a year. After all this finally voluntarily returning the car back in XXXX XXXX. Fast forward to XXXX and my checks are being garnished and I 'm confused cause I never got the chance to explain my side to the judge in court. I believe I should have had to pay the remaining balance after all the issues with car. We were never offered another car or anything after so many deadly issues were reported and happened with the car. After setting up a payment pLan and stopping the garnishment in XXXX my wife lost her job and I became responsible for a XXXX kids, rent, car, insurance, food, and other household bills. I tried to get the payments lowered until we got back to a stable financial situation. I feel like this company knew the were selling faulty cars because after we started having problems the dealership we went to just up and closed no heads up or anything. After I explained everything to the rep about our financial hardships they declined to work with us and lower the payments so we could get back on track. We understand that we missed some paymentsort but after explain our hardships and even breaking down out bills they still were n't willing to work with us. I 've been trying to contact this lawyer of theirs since XXXX and she never answers her phone or respond to voice mails. In XXXX after calling and calling and calling and telling them I was filing a complaint because the were n't returning or answering our calls to try and resolve the situation we were finally contacted by a XXXX XXXX Who works for the finance company. When this second garnishment was started up and we went to the court house so try and fight the case we were told we do n't have to go through XXXX XXXX to set up payment we needed to their lawyer who still does not have a office or even a working answering machine for you to leave a message. As a result of all this my wife is starting to suffer from XXXX from fear of us losing our home and car. As a result of the garnishment as explained in an email we our now suffering more hardships as we are behind on out rent and because of not so good credit I have a car payment of {$610.00}, rent is {$890.00}, we have XXXX kids, insurance, food, and utilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a promotion mailer in XXXX for {$300.00} bonus payment after XXXX days with {$1000.00} deposit, and additional {$100.00} for new savings account. On XX/XX/XXXX, I opened both checking and savings accounts and received my first direct deposit of greater than {$1500.00} on XX/XX/XXXX well before the XXXXday deadline. According to the payment schedule, my bonus of {$400.00} should have been paid by end of XXXX. After not receiving the payment, I called the bank on XX/XX/XXXX to inquire about the payment. They asked for the code, which I gave over the phone. I was then transferred to a supervisor, who then made me repeat the code, and then proceeded to tell me that my account was not tied to the promo-code and therefore I would not be getting the bonus payment and there was nothing she could do. I asked how come, because I went to the weblink provided on the mailer and entered the code, prior to opening my accounts, and she said, maybe there was a glitch in the system. I then expressed, that was not really a suitable answer, because a glitch in their system was not my fault and I should still be paid the bonus, because I have the mailer in hand and the code. I asked if they could look into it further to see what happened, and she said no, this is where it ends, that is why you were transferred to me. I told her I felt like I had been scammed and would be filing a complaint, so the same thing does not happen to someone else. I would like to receive my bonus payment and an explanation of what happened in the first place. 

Thanks you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts US DEPT ED XXXX Balance {$730.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$2300.00} Date Opened : XXXX US DEPT ED XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$3900.00} Date Opened : XX/XX/XXXX Inquiries XXXX  Date of Inquiry XX/XX/XXXX 1 XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated attempt through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Vehicle loan or lease

I purchased & traded in a vehicle on XX/XX/2023 from XXXX  XXXX in XXXX Florida. The Vehicle I traded in had still had an active loan from ALLY Financial since then the dealership has not paid off the vehicle and its destroying my credit. The vehicle is charged off on my credit for late payments and I havent had possession of this vehicle since XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I have no knowledge of or consent to these following credit inquiries, and it has been placed on my credit report without my authorization. This unauthorized inquiry not only damages my credit score but also constitutes a potential violation of consumer protection laws and the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Fraud on this account. 
I need all negative marks off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPE BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719, 1 PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report with Experian, XXXX, and XXXX  and they have failed to comply with FCRA guidelines!
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX  XXXX are inaccurate and must be removed.
Product: Debt collection

XXXX Account number XXXX In Dispute as follows XXXX ) Received notice XXXX is XXXX to shut down their XXXX network, I would have to up grade my current phone or loose service. 
2 ) Contacting them was told because I have been with them for 10+ years they would provide me a free phone. I asked about my other line, ( wifes Phone ) and at first they said I would have to purchase it. But the sales lady ( recorded call ) did some checking and said she had gotten her supervisors approval to provide both phones for free.

3 ) I made it understood ; I would not enter into a contract for the service or the phones. I was assured the phones would be free with out obligation. I was also told my monthly billing would be reduced from {$56.00} to {$35.00}.

4 ) The cheap / junk - flip phones were sent to me and were impossible to activate, requiring a 1.5 hr trip to a XXXX store to have them working. 
5 ) I shortly received a monthly bill showing the same old charges with the addition of a monthly payment plan for phone purchases. I call customer service and was told the phones are indeed free, and that was just a way for them to track their inventory, the charge is offset by the credit. Asking about the plan reduction cost I was told I would receive, and was told it would show up in my next statement.

6 ) I then received a notice that XXXX had discontinued my simple talk and text plan and they would have to move me to their new plan which was also a simple talk and text plan, ( all they did was change the name of the plan ), and would be charging me additional money.. 
7 ) Confused at this point thinking, the plan increase would be off set by the {$35.00} dollar decrease making it what I was originally paying.

8 ) Received next billing statement, showing charges of {$70.00} +I called talking to customer service, stating these charges are not acceptable, I would be moving to another company, wanting t know the cut off date thinking some how I was paying a month in advance for the service. I was told service would stop 5 days past the billing due date. But I stilled owed for the phones, I explained to him, these phoned were provided to me free, I had no contract obligations before the phones, and at XXXX XXXX XXXX it is unacceptable for me to have any contracts, which I made clear from the very start of this now elaborate bait and switch scream. If you try to charge me for the phones, I would file complaints. 
9 ) XXXX XXXX 2023 now in receipt of a collection notice, 10 ) This whole thing has been nothing but a well thought out scam of entrapment Threw verbal Lies / word / E-contracts. I dispute XXXX claim I owe them money. I demand they stop attempts of collections, repair/ my credit report and apologize for this sickening attempt to become in justly enriched.