23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed collection on the consumer report recently. 
I have made previous attempt to fix these issues directly with them. They are violating my rights, and I'm entitled to XXXX for every violation listed ; they either pay me or delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

i have 2 bank of America inquiries on my XXXX credit report which i gave no permission. the dates were XX/XX/year> and XX/XX/year>. i am asking for them to be removed they arenot mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected : XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( XX/XX/XXXX ) ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( XX/XX/XXXX ) ; XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( XX/XX/XXXX- XX/XX/XXXX ) ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Mortgage

Ditech mortgage will not stop charging for optional insurance long after it has been cancelled. I have a cancellation letter dated XX/XX/2017 and the optional insurance continue to be billed. Even though the insurance was just {$33.00}, the non-payment generates late fees and causes the mortgage payment to appear on the mortgage statement as " suspended. '' In reality the optional insurance is paid to the XXXX. The cancellation letter goes to me but it is unclear how Ditech is informed. This much is true, when I called Ditech on XX/XX/2017 and talked to XXXX and then to XXXX to complain about the continuing charges, late fees, and late payments due to their " suspensions '' I was told that XXXX is responsible for the charges not Ditech.
Product: Debt collection

On XXXX this company Roach & Martha called my employer and threatened to reveal private information about an alleged debt that is unverified. They threatened me and that they would mail/verbally send I information to my employer that would jeopardize my employment etc. The man was very combative and aggressive on the phone. He said he would keep calling my job everyday.
Product: Mortgage

SPS is trying to put my house in foreclosure again. My bankruptcy case was recently dismissed and I asked SPS for mortgage assistance. First they said I just needed to send a RMA despite their website saying I need other forms. Then they said that they received all the documents they needed before I even sent the RMA. I dont think SPS is trying to help me with my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Product: Credit reporting or other personal consumer reports

" I

am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, in
cluding potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Debt collection

National Recovery Agency XXXX keeps calling my cell phone to collect a debt. I have no idea who these people are. I receive 4 to 5 calls daily, sometimes they hang up when I answer, other times it is a pre recorded message. I once talked to a gentleman and he proceeded to tell me about this debt I owe ( not knowing what debt it was ) all before verifying who I was and getting the information. I have requested numerous time to send me in writing the debt that I owe. When I talked to this man I asked him if they ever notified me by writing or sent me confirmation of the bill and he said they sent a statement XXXX of 2015. I then told him that was a year and a half ago and I have received nothing. When I asked why he had not verified who he was talking to before going into length about this bill and amount he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX after checking my credit report I noticed that several files were not mine. Innovis was reporting a XXXX XXXX account. This account does not belong to me. I disputed with Innovis. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). Most of these accounts have already been deleted from the other bureaus and the companies agreed to request removal of the items with the latest coming in XXXX. I contacted Innovis several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Innovis is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.
Product: Money transfer, virtual currency, or money service

I m writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act there are 3 Accounts : XXXX XXXX XXXX # XXXX, XXXX Funding # XXXX and XXXX XXXX XXXX XXXX # XXXX That have 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

XXXX XXXX XX/XX/2024 LVNV Funding LLC XXXX XXXX XXXX, XXXX, SC XXXX Re : XXXX Dear LVNV Funding LLC, I am responding to your communication about a debt youre trying to collect. You contacted me by Mail and identified the debt as {$720.00} Please send the following information : The name and address of the original creditor, the account number and the amount owed Verification that there is a valid basis for claiming I am required to pay the current amount owed Details about the age and amount of the debt including a copy of the last billing statement from the original creditor A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest The date the original creditor claims this debt became delinquent Whether this debt is within the statute of limitations and how that was determined Please also forward details about your authority to collect this debt : Include whether you are licensed in my state, and if so, provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Thank you for your cooperation. 

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

On XX/XX/2018 XXXX XXXX XXXX XXXX sent me a letter to settle the Collection for {$2300.00}, which is the Original Amount. I had until XX/XX/XXXX to pay the Account in Full. The Account was paid in Full XX/XX/XXXX. I Received the Letter stating Paid in full. ***NOW***Credit Systems who had the Account, will not change the Balance to XXXX and Paid I Full. When I asked they said to Call XXXX XXXX XXXX said I have the Letter and they should change the Balance to XXXX. Called National Credit Systems and  they said FLAT OUT NO.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I direct deposited my money into my Robinhood account and shortly after they restricted my account I have been begging them since XX/XX/XXXX to help me, there is no number for customer service when you call it hangs up on you, I have been begging them by email and then I went on XXXX to help me and they send generic messages saying they are going to help me, I am on the verge of homelessness due to not being able to pay my rent because I direct deposited my money into this account I need help, this all started when my direct deposit went into the Robinhood account on XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to me.
Product: Payday loan, title loan, or personal loan

I am 3 days late on repayment of a {$50.00} loan. XXXX XXXX has called me multiple times and emailed every single hour since XXXX. I have also received a text message
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this accounts, XXXX XXXX XXXX XXXX ACCT # XXXX, and XXXX XXXX, ACCT # XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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: Credit reporting or other personal consumer reports

The company is reporting INACCURATE, INCOMPLETE, AND UNVERIFIABLE information on my credit report. I submitted a dispute via mail addressing the issues that I felt were inaccurate, incomplete and unverifiable I have not received a response and ended up resubmitting a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/2023- XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sure this is a violation of the FDCPA.
Product: Checking or savings account

Sometime in XXXX I became aware of a Capital One account had been opened in my name. I honestly can not remember how but I think Capital One contacted me. At the time of the call I thought it was done, account closed. I did ask for verification of the closed account to be mailed to me. I got verification of XXXX accounts being closed in separate envelops. 
The account I was aware of, XXXX XXXX I have no idea what this other account is and couldn't get any additional info from Capital One fraud representative, the other account ended in XXXX. 
Since verification of XXXX accounts being closed I still receive communication from them as if I am a customer. I don't have the date but, I have received a debit card well after the closing of the accounts. I have called each time and they confirm I don't have a account. Today I received a notice about setting up my new 360 checking account ( I am embarrassed to say I can not remember how the message came to me, it had to be by text but I can not find it! ) I went to the website for their phone number and called. Thinking I was still dealing with the first XXXX accounts I inadvertently found another account had been opened in my name, the last XXXX digits are XXXX. I couldn't get any additional info about this account from the Capital One representative except it the information to open the account was done online yesterday, XX/XX/XXXX.
Product: Debt collection

Upon viewing my credit file with XXXX, XXXX, XXXX  I became aware of Security Credit Service reporting an amount : {$1200.00} owed. I do not recall this company and requested that I receive a signed contract bearing my signature with Security Credit Service. This creditor should remove this account from my file ASAP.
Product: Money transfer, virtual currency, or money service

I made a transfer from my card to my account just trying to empty the card that I was canceling, and my account got suspended with money that I need in it. They refuse to answer why this happens so often, as this is at least getting close to the XXXX time this has happened. They need dealt with, matter of fact just shut down completely. Thanks to this, I wasn't able to get a payment method verified to be able to buy food. So as a result of their poor programming, I haven't eaten in XXXX days. They are now requiring me to send them a bunch of different documents, just because of XXXX charges of less that {$10.00} ( XXXX charge was for {$2.00} and the other for {$6.00} ) I made on my own cards in order to test out my phones XXXX tap to pay function. I simply want my {$8.00}, and them to be out of my life completely. But they are trying to make me jump through a XXXX hoops. I feel like this is grounds for investigating and possibly a lawsuit due to the frequency of which this happens to their customers. 

Attached to this complaint is the email of the demands they made, my balance, the transactions that they are making this fuss over, and the main page of the " business '' account that I made for my XXXX channel. The fact that they are being this way over an account that only sends money to himself and family, is absolutely ridiculous. They should be embarrassed with their system. So to show why they need investigated, I've also attached some statistics and customer comments showing that they are lazy crooked business practitioners.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon! In XXXX of XXXX I took out a vehicle loan with XXXX XXXX XXXX. The last payment was due XX/XX/XXXX. I had autopay set up because I was ( and still am ) in the military so the convenience of the payments coming out automatically was important. All payments were made on time from XX/XX/XXXX to XX/XX/XXXX. For the final payment, there was an issue with the autopay on XXXX XXXX XXXX 's end as it was closing out the account. I reached out to XXXX XXXX Services via phone immediately upon seeing it showed the account past due. I spoke with a customer service representative, who understood the situation, admitted it was an error on their end, and sent me an email to complete a document and send it to have the account ( which then showed delinquent ) properly updated to closed with no missed payments as they stated they do not update credit reporting via phone. I completed that form, which was a typical dispute form. I've attached the document XXXX XXXX XXXX sent me in XX/XX/XXXX. 

Upon going through my credit report in XX/XX/XXXX, I saw on one of my three reports ( Experian ) the account showed delinquent for a missed payment in XX/XX/XXXX, but the other two credit reporting bureaus were annotated correctly. I sent a dispute through Experian. Because it had been almost five years, I did not quickly have access to the correspondence with XXXX XXXX XXXX, so I was able to provide an explanation of the situation and not much else. Luckily within the last few days I was able to get access to the email XXXX XXXX XXXX sent me outlining the delinquency would be removed, and have since updated Experian with this information. 

In the meantime, XXXX XXXX XXXX has incorrectly told Experian the account was delinquent, and went a step further to update XXXX with the incorrect reporting information, meaning now - almost five years later - a new delinquency for an account closed XX/XX/XXXX is showing up in XX/XX/XXXX for the first time. 

I've since furnished the email to Experian so they can reopen the dispute, but can not provide it to XXXX due to the fact that XXXX does not accept updated information mid dispute, but rather must wait until the dispute is closed and then open a new dispute 180 days later. I do not want to prolong this incorrect information being on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card company XXXX XXXX is reporting accounts as 30 days late in XXXX and XX/XX/2020 during pandemic when current account was not supposed to be reported as late if current accounts made payment arrangements according to the Cares Act of 2020 Section 4201 I have been disputing this information with letters to XXXX XXXX and also the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I went in to Region Bank XXXX XXXX in XXXX NC and made a deposited of 2200.00 and was advised by the teller XXXX XXXX that a XXXX XXXX hold would be placed on 2000.00 until XXXX/XXXX/2015. I agreed to that, but the problem occurred is when I check my account on XXXX/XXXX/2015 my account was XXXX in the negative. I called customer service, because the branch was closed and spoke with several represents and they was not helpful or concern. I then reach a rep ( XXXX ) that was great and tried her best to assist me, but explain that it could only be handle at the branch. I very upset that I had to go 2 day in the weekend with no available funds in my account, because before I made the deposit it was funds available in my account.