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

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible puPlease delete immediately
Product: Debt collection

Unknown account and inaccurate, I have disputed with nothing received back Avante XXXX
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$580.00} I was emailed XXXX times from this company 'RESURGENT CAPITAL SERVICES '' I have no knowledge of who these people are they made a portal for me to pay them for a XXXX  XXXX account that never has been validated. Nor did i give my consent to be emailed or my personal information to be given to this company, and stated as " a debt owed '',.
Product: Debt collection

I have disputed this debt several times in which this company was sent a certified letter requesting validation of debt that supports their claim that I indeed owe this debt and the amount in question. Reporting this without the info requested is defamation of my character and it is affecting my ability to enjoy good credit. The FDCPA states I have the right to ask and receive the information that they have yet to furnish to me. I received a certified letter from Receivable Management yesterday that contained a copy of the letter I sent to them which I have attached to this complaint. By law reporting this debt without proof is a violation. I have also attached a copy of my credit report which is dated for today 's date and XXXX XXXX is still reporting it and I 'm not happy. I 'm requesting your assistance in helping me to resolve this matter fairly and quickly.
Product: Credit reporting or other personal consumer reports

This information was previously showing on this report, and it was previously removed. As of XXXX, this account has reappeared on my report and needs to be removed. 

XX/XX/XXXX account flagged by XXXX XXXX this exact account was just removed from my report please provided detailed information of how it was added back to my report with a different date?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account name XXXX XXXX  XXXX Account number XXXX
Product: Checking or savings account

My bank was close down due to fees ATM withdrawals that wasn't me refuse to help me
Product: Payday loan, title loan, or personal loan

In 2019 I took a {$500.00} loan from Moneylion app and paid a few payments before falling behind because of unemployment. They put the amount on my credit meaning they sold the loan to a debt collector but refuse to stop the membership payments until the loan was paid witch is fraud because they already had sold the debt and recouped the amount of the loan. For 4 years my bank account has been charged {$19.00} and they refuse to cut off payments even after I confronted them about their fraudulent actions.
Product: Vehicle loan or lease

I defaulted on a loan and the vehicle was repossessed. Suntrust bank sold it at auction then kept trying to collect the balance owed, approximately $ 20k. I couldnt pay the debt so after time it was turned over to several collections agencies. My husband passed away XX/XX/XXXX and I received a small insurance settlement. Several months after his passing, one of the collections agencies called and offered to settle the debt for $ XXXX. I was having a bad day and unfortunately agreed to settle. I gave them my bank account information and the funds were deducted and used to settle the debt. I never received anything in writing and the only proof of the settlement I have is from my credit report. Then, before filling my taxes for XX/XX/XXXX, I received a XXXX  for the $ XXXX that was written off. No one from the collections agency told me this would happen. Had I known, I would not have settled the debt. In fact, about 6-7 months afterward, I ended up filling for bankruptcy. Had I not settled the debt, I could have included it in the bankruptcy and would not have had to include the settlement on my taxes. Since I never received anything from the collections agency, I dont even know how to contact them to complain, although I doubt it would make any difference even if I did. Is there anything that can now be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I would like to dispute the following unauthorized accounts reporting on my credit report, some inwhich I've disputed before but did not get the results in reference to my disputes. Having your identity compromised is a nightmare in itself but even more disturbing when you report it and the major 3 credit agencies either ignore you, or do not follow the law of the FCRA. I would like to know exactly what Method did you and your employees used in order to verify these unauthorized accounts inwhich lead back to me. The accounts inwhich I'm requesting the Method of verification for or as following, ( A ) XXXX XXXX {$680.00} ( B ) XXXX XXXX XXXX {$140.00} ( C ) XXXX {$72.00} ( D )  XXXX XXXX {$690.00} ( E ) XXXX XXXX {$630.00} ( F ) XXXX XXXX XXXX {$960.00} ( G ) XXXX XXXX XXXX {$670.00} ( H ) XXXX XXXXXXXX XXXX {$71.00} ( I ) XXXX XXXX XXXX {$30.00} ( J ) XXXX XXXX XXXX {$5500.00} ( K ) XXXX XXXX {$2800.00} ( L ) XXXX XXXX XXXX {$1700.00} ( M ) XXXX XXXX XXXX {$0.00} ( N ) XXXX XXXX XXXX {$130.00} ( O ) XXXX XXXX XXXX {$0.00} All the above accounts shall be followed with documentation of the Method of verification used and sent to me or as stated in the FCRA laws these accounts shall be blocked, removed, and/ deleted immediately.
Product: Credit reporting or other personal consumer reports

Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX Complaint Against : TransUnion XXXX Subject : Inconsistent and Incorrect Reporting of US DEPT ED Account # XXXX Details of the Complaint : I am filing a formal complaint regarding the incorrect and inconsistent reporting of my US DEPT ED account ( # XXXX ) by TransUnion and XXXX. 

1. Inconsistent Reporting : The account is being reported differently across credit bureaus. TransUnion is reporting one version of the account status, while XXXX is reporting it inaccurately as a collection account. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in reporting consumer credit information. 
2. Inaccurate Reporting by XXXX : XXXX is reporting the account as a collection, which is factually incorrect. Under FCRA, 15 U.S.C. 1681i, I am entitled to dispute incorrect information and have it corrected if proven inaccurate. I am requesting that XXXX immediately update their records to reflect the accurate status of my US DEPT ED account.
Product: Credit reporting or other personal consumer reports

In according with the fair credit reporting Act AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Reporting Agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This COMPLAINT/DISPUTE response to an entry THERE ARE SERIOUS VIOLATION OF THE FDCPA. 1ST FAILURE OF NOTIFICATION. 2ND THREATS AND CONTINUED COLLECTIONS EFFORTS WITHOUT ANY VALIDATION WHATSOEVER. 3RD NO VERIFICATION OF ALLEGED VERIFIED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. I HAVE FILED ALL THE REQUIRES PAPERWORK AND DOCUMENTS AND I HAVE YET TO RECEIVED ANYTHING IN RETURN.
Product: Credit reporting or other personal consumer reports

I have multiple reports of trying to reach out to these companies and try to settle and/ or have these removed. Creditor : XXXXXXXX XXXX sent me to a third party XXXX XXXX and they are trying to get {$380.00} from me but they were already paid and removed from my report by a debt condsolidation company. All of these have been disputed with the debt consolidation company and they were resolved yet they have not been removed off of my credit report. I am asking to have these collections removed. XXXX cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX citi, citi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These are all listed on my credit report as paid but charged off. This is wrong as an account can not be listed as charged-off and paid on my credit report the remark is incorrect and I would like to have it removed. I have been sending them letters since XX/XX/2023 with the latest letters being sent on XX/XX/2023 and have given them all enough time to get these removed without having to get you involved but it is not working and I need help.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I signed up for a bank account with AXOS and was promised a bonus of XXXX ( after clicking their ad ) if i followed a few steps over a 5 month period. Now they are claiming that I needed to input a code upon opening my account, despite clicking a direct link and following all the bonus requirements. This feels like I have been bait and switched and the are reneging on the agreement detailed in their own advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company by the name of GM Financial has allowed someone to use my personal information to open a auto loan close to the amount of {$49000.00}. I didnt give anyone permission to use my personal information. This is fraudulent. I was never contacted by GM financial before opening a loan in my name and I have a credit alert on my credit reports to be contacted before opening anything in my name.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts listed on my credit report that are not mine, and or that I don't recognize. Please remove them immediately.
Product: Checking or savings account

Received an unsolicited debit card in the mail. Contacted the bank ( Wells Fargo ) to request that the card be deactivated. The bank asked for certain identifying information including last four of SSN. Bank found two accounts opened using our information. They placed a freeze on both accounts and began an investigation into how they were opened.
Product: Credit reporting or other personal consumer reports

FCRA Viloations not mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
not my addresses XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type XXXX  family XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX type XXXX  family XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX type XXXX family not my phone numbers XXXX not my names XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check for the care of a person I am caring for. The check was dated XXXXXXXX XXXX. The account was new but the checks were something that I had been receiving for 7 years. I deposited the whole check. Then the check was returned for nsf. Then my new bank closed my account and put a fraud alert on me. They will not lift it and now I can't open an account at any bank and have to way to get funds to take care of the person I'm guardian for. I have notified the police and made a report of the bad check and have notified social security XXXX of what the person done. I called the bank and asked them how they can put fraud on me when I was the victim but the just kept saying I deposited the check. I did deposit the check the whole thing. I did not receive any cash back. So I don't know how I could have committed any fraud when I never received any money from the check. I need this fraud lifted so I can open an account so I can care for my mentally challenged cousin I'm the guardian of.
Product: Credit reporting or other personal consumer reports

The company still has it listed as a COLLECTIONS when I have a Income with holding order as agreement to payments. This is STATE OF MICHIGAN child support division. This should be a slow pay due to the payments coming in late due to pay dates. This should never be a in FULL COLLECTION status when there is a Income with holding order.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. 
I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

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

In accordance with the Fair Credit Reporting Act, There are late payments on my credit report. According to law, I am a consumer. Under federal law this violates my rights and should not be placed on my consumer report. 

The list of accounts is in clear violation of the law, XXXX XXXX Acct # : XXXX, XXXX XXXX Acct # : XXXX has violated my rights. 

15 USC 1681b- Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 USC 1681b ( a ) states - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( 2 ) states - In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report.

CONSUMER REPORT - ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

PERSON - ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

This is against the law to be reporting late payments on my consumer report, please DELETE the above late payment from my consumer report, this agency is in violation of 15 USC 1681 ( 2 ) ( A ) ( i )
Product: Mortgage

XXXX XXXX XXXX - Since the last complaint XXXX I filed against XXXX XXXX XXXX XXXX I have sent an appeal to Nationstar the servicing Company for XXXX XXXX Mortgage. I have had one call because my brother died - XXXX XXXX XXXX who was on the mortgage and I am to here back from her in 2 days. Her name was XXXX XXXX at Customer Relations, Nationstar. telephone number XXXX. That was 2 weeks ago. 
To : Federal Trade Commisssion, FTC asking for assistance to see if my Loan was the subject of Predatory Lending and why XXXX XXXX XXXX XXXX will not approve a modification Denial reasons : Property not Owner Occupied : 1. I was unable to remain in the home due to XXXX family members passed away tragically in the home XXXX. 
2. HAMP - assistance - the home can be rental property. 
3. I foresee imminent default due to going over my budget would have a deficit of over {$1500.00} a month making the home unaffordable and possible foreclosure in the future. 
4. When my brother passed the loss of income was {$4100.00} a month. I also had medical expenses from my father of {$15000.00} and before my mother past away I had {$3000.00} along with burial expenses. 
Summary : Hardship I am current on my mortgage, however I believe that I have an imminent default ( my loan is not yet in default but there is a high probability that it will soon be in default ). My mortgage payment is {$2200.00}. On XXXX XXXX, XXXX my brother ( co-borrower ) died. XXXX. Upon his death I lost {$4100.00} a month and he was the co-borrower on the loan. In XXXX my father also passed and I had to cover medical and burial expenses in the amount of {$15000.00}. At that time I became a XXXX to my mother and contributed {$3000.00} a month for XXXX, and she eventually passed. I had to pay XXXX for her burial expenses. My brother, father and my mother died tragically in my home and I had to relocate from my home due to XXXX family members passed away in the home tragically and residing there was too stressful. The police at one point said it look like a crime scene. I have inherited my grandchildren. 
In XXXX XXXX I received an e- letter from the lender Nationstar which stated that my payment will increase from {$2200.00} to {$4600.00} a month starting XXXX XXXX. I immediately took steps to improve the financial situation. I contacted the lender and applied for a modification. I was denied due to the home is not owner occupied and I am current on the mortgage payments. My financial hardship is due to the fact that I am unable to afford the increase in payment. Also my children are in the military and they will be XXXX very soon and I will have to move again to help with taking care of their children. They are single parents. I also am taking care of my XXXX grandchildren which make my monthly expenses increased. Currently my grand-daughter is pregnant and I will have a new addition to the family which will cause expenses to increase in the near future. My grandson has XXXX. 
I have enclosed supporting documents to support my statements. 


















































Desired resolution
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 


1. [ XXXX XXXX & XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. [ TXXXX XXXX XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. [ XXXX  & XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. [ XXXX XXXX XXXXXXXX : ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. [ XXXXXXXX XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. [ XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting

Several items are not mine. Also their are several hepa violations. I never lived at some of the addresses and I 've never worked for a XXXX I 'm assuming it 's supposed to say XXXX .... which I 've also never worked at .... what a joke
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute 6 accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ga XXXX Phone ( XXXX ) XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone ( XXXX ) XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX. XXXX Balance : {$0.00} ; XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00}.