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

i sent my letter off on XXXX and XXXX. I told the credit bureaus to investigate every piece of information on the accounts i have listed below. Also i have attached the letter i sent out and here is the tracking # XXXX. ) XXXX, XXXX. ) XXXX, XXXX. ) XXXX According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. i have the credit report showing the inaccuracies Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

HELLO I HAVE ALREADY STARTED A DISPUTE WITH THE EXPERIAN AND XXXX REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT ... I HAVE A LINE OF CREDIT WITH REGIONS BANK, THIS BANK MADE AN ERROR AND SENT 2 LATE FEES THESE CREDIT BUREAUS, I HAVE BEEN DISPUTING THESE INACCURACIES FOR ALMOST 2 MONTHS NOW ... ON MY EXPERIAN REPORT 3 WEEKS AGO EXPERIAN TOOK XXXX POINTS FROM MY CREDIT SCORE BEHIND THIS BANK ERROR, THAT THE HIGHER UP 'S DONT AND WONT ADMIT!!! THE BANK MANAGER HERE IN FLORIDA LOOKED OVER MY ACCOUNT PERSONALLY WHILE I WAS ON THE PHONE WITH HER AND SHE SAW FOR HERSELF THAT I WAS CURRENT WITH MY LINE OF CREDIT PAYMENTS FOR THE MONTHS OF XXXX AND XXXX OF THIS YEAR... IM EMAILING THE PROOF WITH AN EMAIL THAT I RECEIVED FROM HER... PLEASE SEND THIS NEW INFORMATION TO EXPERIAN, AND XXXX, AND XXXX IF YOU CAN, THEY NEED TO RESTORE MY CREDIT BACK... EXPERIAN TOOK AWAY 67 MONTHS 2 WEEKS AGO, THEN THEY GAVE ME THE POINTS BACK A WEEK AGO, EXPERIAN HAS TAKEN XXXX POINTS AGAIN FROM MY XXXX XXXX, THIS IS UNACCEPTABLE, AND THEY ARE VIOLATING MY RIGHTS, ALSO EXPERIAN AND XXXX ARE NOT UP DATING MY CREDIT REPORT, ALL MY CREDIT CARDS ARE PAID OFF XXXX BALANCES, WHY THIS IS NOT REFLECTING..
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX, Transunion, XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, Transunion, and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation for Account XXXX This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, Transunion, and XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Transunion, and XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Debt of {$2600.00} to National Credit System, XXXX was paid and taken care of even thou treated unfairly and unjustly
Product: Mortgage

I paid almost! XXXX To XXXX SLS They say I am delinquent I am not Where is the {$70000.00}?????????? 
They lai cheat This their way to foreclosed and take peoples home make it look like they are right This is their way of business They make money off or fraudulent foreclosure fraudulent late fees cheat They have to use this strategy just to take propkes home and have exude to foreclose
Product: Credit card or prepaid card

XXXX XXXX XXXX XX/XX/22, charged late fee and I called to dispute the charge as a XXXX year customer, also explained my circumstance and reason for late payment but request was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  violated 15 u.s.c.1681 ( 2 ) I report containing information solely as to transactions or experiences between the consumer and the person making the report by reporting late payment and utilization history
Product: Mortgage

As a first time home buyer, I was ignorant to some of the practices such as points. The only part I was aware of is that I understood that there would be a higher incurred cost. Though the broker we worked with may not have done anything illegal ( I do not have any legal or property background ), I would consider what was done unethical. I considered this person to be unresponsive to the point where I was reaching out to him more often than he reached out to my fiance and I. He made critical mistakes on the application that could have been simply avoided such as citizenship status and other identification information. My fiance and I had to point out the issues with the application and changes made came on our end. This process was less than conducive to a new home buyer. 

The worst part of this endeavor is when we tried shopping around for the best deal, which is our right to do so. We had a broker approach us about a particular rate and we asked the current broker we were using if he could match, giving him the opportunity to keep our business. He stated that he could without any mention of points. The other rate we were approached about had XXXX points. At this point, a few weeks went by after we had locked in our rate. We were unaware that the loan rate we locked in had points until it came time for closing and the cashier 's check we needed to pay was approximately {$4000.00} more than what we were quoted. We had not heard from him much during that elapse of time which was a period of approximately XXXX days. Due to previous arrangements made around house maintenance, we were cornered into paying this hefty amount which we would n't of had to pay if we switched brokers. There was n't any documentation sent to myself or my fiance, who are both borrowers on the loan, that there were any points. This was the only disappointing part of purchasing the home as the realty company/insurance company we worked with were exemplary. Due to this unethical practice, future loans on my part will not be leveraged through XXXX XXXX XXXX or XXXX XXXX and many of my piers looking for property will be warned against using them as well.
Product: Debt collection

Hello my name is XXXX XXXX. I was contacted by XXXX XXXX from NCAC Debt Collections and was told that she acquired a debt from my previous landlord, XXXX management ( Account # XXXX ). XXXX XXXX insisted that I owed the debt because I did not give XXXX 30 day notice before I left my former apartment. I explained that my lease did not include an notice requirement unless you became a " holdover tenant. '' Section XXXX applies to " XXXX tenancy. '' A person becomes a hold over tenant once that remain in possession of the unit beyond the expiration of their lease. I vacated the unit and gave notice to the landlord in the last month of my lease, prior to the expiration. Therefore, I was not a holdover tenant and this section does not apply to me. 

XXXX XXXX sent me a " notice intention to vacate, '' that was purportedly signed by me, which I never signed. I repeatedly explained to XXXX XXXX that I was not required to give notice under my lease, as long as I vacated the unit before the expiration of my lease. XXXX XXXX never showed me a provision in the lease that stated that I was required to give 30 day notice other than the provision that governs hold over tenants. Then she told me : Try again, you 're trying very hard to find a way out and I assure you, there is none. Your evidence is attached ( meaning the notice of intention to vacate with my falsified signature ). This is your signed and dated notice to vacate. I will schedule the account for credit reporting on you and XXXX XXXX if this is not going to be resolved today. 

I refuse to be held liable for a debt that I am not responsible for. In speaking with XXXX XXXX, I can see that she is only interested in having me pay money, and not interested in finding out the validity of the debt. I am deeply saddened by this process, especially because XXXX XXXX choose to report this to credit reporting agency for my cosigner, XXXX XXXX, which is confusing because they are claiming that this debt occurred outside the parameters of the lease agreement that my cosigner was a party to. I really need some assistance resolving this issue and removing this item from my credit report, and my cosigner 's ( XXXX XXXX 's ) credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, XXXX XXXX. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by XXXX XXXX. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from XXXX XXXX including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. XXXX XXXX is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. XXXX XXXX in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. XXXX XXXX is attempting to collect on a debt that they purchased ( XX/XX/XXXX ) from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.
Product: Vehicle loan or lease

I continue to be late due to my due date. I've requested in writing per their customer service that my date be moved to the XXXX. It's been rejected and the reason I'm told it's rejected is because of late fees and not being current. Well, I can't get current because as I've explained in the letter to them I get paid on the XXXX and the XXXX. My rent, loan, electric, water, and gas are all due on the same day. I will never, not ever be able to pay all of this on the XXXX. So even though I've explained this over and over they continue to leave it and hit me with late fees.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C S 1681i which mandates a reasonable investigation of dispute. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are marked inaccurate XX/XX/XXXXAccount # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXXAccount # XXXX XXXX XXXX Account # XXXX XX/XX/XXXXXXXX Account # XXXX XXXXXX/XX/XXXXXXXX XXXX Account XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Account XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Mr. Cooper, XXXXXXXX XXXX  and XXXXXXXX should stop lying about the illegal fraudulent actions they conducted on my property on behalf of XXXX XXXX XXXX XXXX XXXX fake XXXX XXXX and reveal those documents and details under the FCRA you must do so.
Product: Debt collection

Southern management systems collection company reported a debt of {$5200.00} on my credit report with hideaway north as the original creditor. I disputed this amount with the credit bureau and they dropped the inflated amount to {$3000.00}. I further went ahead and negotiated the debt with southern management systems down to {$2200.00} with the agreement that southern management systems will remove this debt completely from my credit report and the original creditor hideaway north will withdraw their petition for a civil lawsuit against me.. I paid off the whole balance of {$2200.00} in one payment on XXXX/XXXX/2016. Southern management systems informed me upon payment that the next day XXXX/XXXX/2016, they southern management systems will report the debt to be deleted. Contrary to what the told me they went ahead and reported the debt on XXXX/XXXX/2016 as still being owed and as a result of that XXXX is refusing to remove this from my credit report even though I have sent them a letter showing the balance as paid off and showing a categoric request by southern management systems to have this account absolutely deleted from my credit report. The credit bureau can confidently confirm that on XXXX/XXXX/2016 southern management systems reported the debt as still being owed and the recorded conversation between me and the staff at southern management will also confirm their insistence on the fact that on XXXX/XXXX/2016 they reported the account as paid and to be deleted of my credit report. They have been intentionally lying to me when they know they have reported the debt as unpaid but then keep telling me the opposite. I have spent hours on the phone with both the credit bureaus and the collection company and the collection company refuses to honour our agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Drivers Licenses/ # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX I am writing to request an investigation following the Information that appears on my early warning report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize the accounts on my report. Im requesting the following information be deleted from my early warning consumer report immediately
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 U.S.C 1681. 

XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, ACCT # XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX XXXX XXXXXXXX, ACCT XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company sent me a letter informing me that I have two accounts that was placed with their company for collection. I informed this company that I have no knowledge on either account and I asked for copies of the contracts I signed. I was informed that they have nothing and its currently being reported that to the credit agencies which is damaging my credit and I was informed that it will remain their until I pay on two accounts I have no knowledge of.
Product: Credit card or prepaid card

I just received notification someone is trying to open a credit card in my name they did a hard inquiry for the XXXX credit card.
Product: Credit reporting or other personal consumer reports

I have been resolute in my efforts to rectify the presence of these unrelated accounts on my credit report. Despite my repeated attempts to dispute them, these erroneous accounts persist on my credit history. Furthermore, I've proactively lodged several reports with the FTC concerning these accounts, which have no legitimate association with me. 

Regrettably, these companies have chosen to disregard their legal obligation to address these disputes, a requirement mandated by law. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Sent a validation letter certified to Commonwealth Financial XXXX XXXX XXXXXX/XX/XXXX. This company failed to submit all requested information listed in letter. They only sent an itemized bill and failed to take off my credit report and what I requested on the validation letter including signatures for services.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a Notice of Dispute and Request to Remove Incorrect Information from my LexisNexis Accurint  Report ( XXXX ) to XXXX regarding the incorrect Phone Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, I submitted a Consumer Financial Protection Bureau ( CFPB ) complaint ( CFBP Complaint # XXXX ) via the CFPB Consumer Portal regarding the incorrect Phone Records that LexisNexis is reporting on my LexisNexis Accurint Report. On XX/XX/2023, LexisNexis responded to CFBP Complaint # XXXX with an attached letter titled XXXX XXXX ( XXXXXXXX XXXX  ). LexisNexis ' response to my complaint is insufficient. LexisNexis response states : Please note that employment, phone, address, drivers license, and property records listed on his Accurint report can not be removed from his report. Instead of correcting the incorrect information, LexisNexis attempted to claim that LexisNexis is NOT a Consumer Reporting Agency and that my LexisNexis Accurint Report is not governed by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased supplements from a company called XXXX and then they signed me up for something I did not want and then a payment was due I made a complaint very early and then the next thing I know, Im threatening a lawsuit because I was being charged for something I didnt want and I wasnt receiving. And they sent me to collections THIS IS FRAUD The XXXX company sent me a complete refund email to take care of this and now XXXX/ affirm needs to get it off of my credit!
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Opened a dispute with Experian over an address where I had never lived. Failed to remove the inaccurate address because their investigation found it to be accurate. This is wrong.
Product: Debt collection

Midland Credit management bought a debt from a XXXX  account I had. They have called me 4-6 times a day m-f and on some weekends the first time I picked up the phone the debt collector asked my why I fell behind and explained I had lost my job and have XXXX XXXX  and a wife to take care of. When he asked me to pay {$1400.00} in full today I said I couldnt. Then asked me to put money down and pay it off over the next 2 months. Which I replied that I couldnt afford it right now. He then proceeded to say What kind of father cant pay his bills Not a very good one which is when I stopped talking to them in XXXX of XXXX. One year later, after thousands of attempts to call me at all time of the day, I got a letter from a lawyer saying that they had seen that Midland Credit Management had filed a suit against me. So I called to attempt to settle the debt again. They proceeded to ask me to pay the full amount right now or the lawsuit will garnish my wages and get their money back. ( This was around XX/XX/XXXX ) I said I was hiring an attorney and we can settle in court at which point he told me those are just ambulance chaser of the debt collection world and the court would side with them. Now on XX/XX/XXXX they call me again threatening suit and that I should settle now at which point I stopped him and repeated that I already told them I was getting a lawyer. Which he responded Well legally you have to give me his name and number for us to stop calling and I said again stop calling me and hung up. After calling me a XXXX dad and calling my phone at all time even in the evenings right up to XXXX knowing I had small children to get to sleep Im fed up with their ignorant tactics of abuse and threatening me. I have paid off other creditors but at this point I dont want to pay them a dime after they have continually harassed me and from what I have found out tens of thousands of other people.