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

I have had a XXXX XXXX XXXX with XXXX XXXX since XX/XX/2016. The business is a consulting one and is in my name and under my Social Security number solely. Both XXXX  XXXX and I have REPEATEDLY requested TRANSUNION to report this account and my flawless payment history just as they do with my OTHER XXXX  XXXX  XXXX but they continue to put it back on XXXX  XXXX in an endless circle.
Product: Credit reporting or other personal consumer reports

The collection agency has engaged in false and misleading practices, violating FDCPA XXXX and providing misleading forms, violating FDCPA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company stated that I owed the {$1900.00} after taking a {$1200.00} loan and paying them approximately {$1300.00}. The debt collector sent a settlement of {$730.00} to close and then called with another offer of {$950.00}. I requested some information from the condo-any to have a paper trail but they refuse to provide the details and was being very rude on the call. Another agent took over the call and got very loud and I felt very much violated. They also advised me that this was the last offer before they take legal action or damage my credit. I politely refused their offer until I have some paper trail but they were not very happy with me.

These are the information I requested : 1. Proof that your company owns my debt or that you have been authorized to collect it from me by the original creditor.

Note : Please send this proof of authorization 2. Who is the original creditor? What was the original amount owed? How much of what you are attempting to collect is fees and interest accrued since your company took possession of this debt? 

3 What is the debt collectors name, the name and mailing address of your company and the name and phone number of your supervisor.

4. Are my offers for balance reduction reported to the Credit Bureaus? If so, how these will be reported to the credit bureaus?
Product: Credit reporting or other personal consumer reports

Dear LexisNexis Risk Solutions Support Team, I am reaching out to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated to ensure my profile remains accurate and up to date. 

Details to Update : Phone Number : XXXX For your reference, I have included proof of identity along with documentation confirming my current phone number. If you require any additional information or further documentation to process this request, please do not hesitate to let me know. 

I would appreciate it if this update could be completed at your earliest convenience. Once the update has been made, I kindly request confirmation that my records have been updated. 

Thank you for your time and assistance. If you have any questions or need further clarification, you can contact me at XXXX or via email at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

I have called multiple times to get these hard inquires remove as I do not recognize them and its fraudulent. The accounts are as follows, 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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$4100.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$520.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) Balance : {$620.00} ; XXXX XXXX Opened : XXXX XXXX, 2021 Balance : {$710.00} ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.
Product: Debt collection

Sufficient evidence of this debt was not provided. In my dispute with XXXX, the debt was removed from my Credit report. 30dys later the debt resurfaced under a different name onto my XXXX credit report.
Product: Mortgage

1. They are reporting me 30 days late for XX/XX/XXXX updated on XXXX with the wrong balance again. It is not the end of XXXX. 
2. Same thing for XXXX, XXXX and XXXX of XXXX. 
3. I have an agreement from Ocwen Mortgage Services that due to XXXX and Medical problems for myself and wife which was transferred to PHH Mortgage Services and Verified with PHH when transferred. The agreement allows me to be 30 days late after the XXXX of the month which is the last day to pay. Then they couldn't find it and asked me to email a copy which I did. They lost it though I got a letter of receipt. 
4. They are holding up cashing checks
Product: Checking or savings account

I had alot of charges done i didn't make.I called ten times. Called 20 times and repeatedly was hung up on ... I even waited hours 3 different times for them to answer me claims department they didn't want to talk to me. I ask for bank statement and they said no because it's XXXX.. I said I'm get my money stole the agent said it's XXXX..I said I work hard for you to treat me disregarding anything I said ... I have more evidence I can send you of them hanging up on me.. all of the transactions with the red circle box is not me I do not make those transactions ... I'm uploading them right now It will be submitted with this statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 1681a- Definitions ; rules of construction- Exclusion. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX in XX/XX/2013 to attend XXXX University in XXXX, IL. My parents took it out for me to help my credit score for future events in my life. The loan was only for around {$2500.00} I believe. My parents then paid off the full amount immediately after for around {$2700.00}, whatever was quoted to them. Then just a few months ago, after 5 years of hearing nothing, thinking it was long in the past, I get a report from the credit bureau that my account with XXXX was delinquent, 120 days past due and that I owed XXXX dollars in interest ... I had no clue of this for the last 5 years. 

There is no way I would leave XXXX dollars left on my loan like that. ( Apparently it had grown to XXXX from late fees ) My parents paying the {$2700.00} was an attempt to pay them off. Thats what they were quoted and paid. I feel cheated by them. And now since then I have looked into it and thats what they have done to thousands and thousands of people. Ive tried to call them and get this figured out and its impossible to get through to anyone and when you finally do its pointless. The wanted me to get online into my account to get all the information there. But I realized thats a trick of theirs as well. In the fine print you agree to things that Im sure help them get by with it. Like you agree that everything we provide is accurate and true. I didnt feel comfortable with that obviously. So I told them on the phone I wanted a copy sent to my email of the payment history and balance history. So after 24 hours I get the email and once again it says, log in to your account to view your documents you asked for. I am not going to fall for their tricks. I just want a fair report and honesty. 

Im currently in the middle of trying to refinance my home, my credit score was XXXX and it was going to drop my payments roughly 200 dollars. Now I cant. It got dropped 90 points. All of this has cost me so much time and money that I will never get back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been to XXXX in my life and I have a {$250.00} collection that has been issued to me from a XXXX XXXXXXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I viewed my Transunion credit report online and saw an inquiry that I have no knowledge of and that I did not authorize. The inquiry was from XXXX XXXX for XXXX XXXX which is not my name.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent in a certified letter asking for a proof of the record. I also asked them to re-investigate and delete or correct the disputed information. On XX/XX/XXXX, receive a notification online from Experian stating that it remains and was certified and accurate from company that reported it them. What is the name of the company that is reporting the record if the Bankruptcy court does not communicate with the credit bureaus. On XX/XX/XXXX, I also sent a certified letter to the US Bankruptcy Court asking do they report to the credit bureaus and third-party companies such as XXXX, they responded to my letter back in writing, stating that they do not report to credit agencies that they collect information from petitions. 

XXXX, a furnisher of consumer information, and Experian, one of the major credit reporting agencies, have violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and derogatory information, failing to maintain policies to ensure the accuracy of the information they report and failing to properly investigate disputes.
Product: Student loan

ECMC, has been making my student loan amounts increase, and I can not understand why, with the moratorium that is good thru XX/XX/2021. Also, I am being harrassed with numerous calls a day, and threatening voicemails. I understand there is scams out there. I can not fathom how, my balances are going up up up ... at this time. I am XXXX, in XXXX  so I would usually have a small payment plan. I tried to reach out to figure out, what is going on. There are federal protections in place, and I just need help all the way around. I have severe XXXX, and this is not cool!
Product: Credit card or prepaid card

Hi Sears/CBNA : Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and noticed a couple of missed payments from this sears card on and about XXXX or XXXX 2021. I'm confused because I never used this card. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Product: Mortgage

In XX/XX/ XXXX about a year ago to be exact I made an extra payment to my mortgage company to cover two months in advanced. A payment of {$3900.00} was made to my mortgage to cover 2 months but instead one payment was applied to the current month and the other to the principal although I never made a note that the extra payment was to be sent to the principal. When I caught the mistake the mortgate company made it was already too late and I was behind one payment because of their mistake. I called several times to speak to a representative and when I was able to speak to someone they said they would correct the payment that was supposed to cover my two months of rent/mortgage. As time went by no one ever applied the extra payment made to my rent/mortgage bill instead it was sent to the principal even though I did not make a note to send the extra payment to the principal. A year later now we are behind on our mortgage because of a mistake that took place over a year ago and no one ever corrected it. I had to apply for a forberance just to stay away from late fees as my family struggle to make end meets. If my payment would have been applied properly since day 1 I would have never face any financial hardship that has now caused emotional and financial distress. I never got the help I deserve at that time and now I'm just facing financial hardship trying to get up to date with my mortgage payments.
Product: Credit reporting

I have a company called XXXX XXXX XXXX XXXX that has a debt listed on all XXXX of my credit files without providing proper debt validation as requested. I even went through the XXXX for assistance ( see explanations attached ). I find this very unfair for the credit bureaus to list this debt even after I disputed it over and over. I am seeking help from your company now to help me get debt validation
Product: Debt collection

Credence Resource Management Acct # XXXX stated I owed XXXX. This was paid back on XXXX/XXXX/2018 by XXXX due to the driver being at fault in the car wreck. They refused to give me a bill. I had to spend 3 hours at the hospital getting the bill to show this was paid.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

Hello I purchased a car from us auto sale with no issues or hiding fees with my account. Never had an issue with making payments on or after my due date. West lake portfolio the company that brought them out is a rip off they are over charging my account for intrest and late fees and also for the payment to be drafted out of my account I contacted them about the problem and I was told that it wasnt a good time to discuss it. My payment are XXXX every two weeks but since the new company brought us auto sales out Ive been having issues with them since. In and reality Im not that much behind with my payments I need help
Product: Debt collection

LVNV Funding LLC constant harassment calls even after asking to be removed from the do not call list.
Product: Debt collection

Midland Credit Management Collection has been harassing me and my family for 13 years over a debt I do not owe. Apparently this is the result of identity theft. They have said they served me through the mail at an address that I have never resided at and they have an incorrect social security number for me. They have successfully secured a wage garnishment against me for {$21000.00} and have already taken {$800.00} from my last paycheck. The phone number to this agency is : XXXX
Product: Credit card

On XX/XX/23 I applied for a Macy 's credit card to take advantage of a store sale. I paid the entire amount of the purchase using another credit card. 

XXXX Citi Bank purchased the account. 

On XX/XX/23 I received a letter from Citi Bank claiming that my account was past due. 

I called my local Macy 's and was able to determine that I owed {$64.00} of which {$30.00} was past due. 

These charges were not authorized by me. 

I spoke with the XXXX XXXX and was told, over the phone, that due to the dispute my account now had a XXXX balance. I was not allowed to close my account.
Product: Credit reporting or other personal consumer reports

Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has hard inquiries on my credit file that I did not authorize. The dates are from XX/XX/XXXX, and XX/XX/XXXX. These were not made by me and I am asking that they be removed from my file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and untair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused signiticant inconvenience ano financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  account numbers ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account numbers ( XXXX, XXXX ) XXXX XXXX  XXXX account XXXXXXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX account XXXXXXXX XXXX XXXX account XXXX XXXX XXXX account XXXX all has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

My husband was unemployed for two and a half years. I was unable to pay credit card bills at the time. Paying mortgage and providing food for my family was the priority. I offered to make payment arrangements but, what they were requesting was in excess of {$200.00} per month which I explained was n't affordable as I was the only one working in a household of XXXX people. This company sought legal action, put a lien on my house and froze my bank account. They debited amounts of a little over XXXX and XXXX XXXX dollars on two occasions and put a freeze on the same amount twice. I had to go to the bank on several occasions and take time off of work to resolve this error over the course of more than one week. The funds they debited were my mortgage funds which put me further in arrears and caused me extreme financial hardship. I contacted them regarding a settlement on a few occasions and they refuse stating since they have a lien on my house so they do n't have to make a settlement arrangement. They are also unwilling to set up a reasonable payment arrangement. I am going to be out of work soon as my company lost their contract and I explained this to them. They are unrelenting and uncooperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am hoping for a quick update or correction regarding this matter. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX