23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX Department to receive clarification on a rental balance from XXXX at XXXX XXXX XXXX. While speaking with the representative he mentioned there was a balance of XXXX for XXXX XXXX under XXXX XXXX, no account number was available for this account or other information and was instructed to XXXX the management company for contact information. Immediately I searched the web and found XXXX XXXX contact information. I made the phone call to XXXX XXXX on XX/XX/XXXX and was directed to contact via email XXXX and collection agency XXXX XXXX. Once I called XXXXIQ data that day with the balance reported to XXXX XXXX XXXX XXXX XXXX my name apartment location and year they werent able to locate me and said they will call me back. I then sent an email requesting information on balance and account number. I received a reply back from XXXX stating he had no account number but a balance of XXXX, which was different than XXXX  data. On XX/XX/XXXX I contacted XXXX /IQ data to inquiry on my previous call and gave the balance and my social security number, the year and name of the Apartments. The representative stated he had found the account with that balance, stated if I paid in full I can receive a deletion letter, I asked if there were any settlements available on the debt, he mentioned no and could assist with a hardship application that could help with services to assist me in the balance but I wouldnt receive a deletion letter. I was told the account didnt go to a collections company. He then told me in order to get the deletion letter I will have to pay XXXX I asked him how did the cost go up he said it was taxes and interest. I said I will call back and he attempted to keep me on the phone implyingI wouldnt want to end the call like this. It will be perceived as I dont want to pay the debt. I have nothing in writing from this company, the numbers arent accurate, thats why my attempts have been made to contact them as I am aware of money owed when I moved out in XXXX. There are to many discrepancies in the balance and unfairness and I am asking for this account to be deleted from my rental profile. The call was getting uncomfortable so and I hung up. He wanted to conduct a hardship application over the phone, then implied it would change anything. Just give me resources, I have never encountered or heard anything like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a very difficult time resolving my issue with equifax. I advised them I was a victim of fraud. I called the consumer service line and spoke to a young lady named XXXX in XXXX and she advise me that she cant access my report. I filed a report with you guys previously and they advised you I didnt provide Enough info for them to address my concern. Which I clearly did by providing my social. So this time Ive attached a copy of my social security card and id since equifax keeps ignoring my concerns. Im requesting a current copy of my reporting I was a victim of theft the items have already been removed by equifax I just want a copy of my report reflecting that because for some reason Im getting conflicting information. So once again so that theres no ring around the roast Ive attached a copy of my personal identification along with the copy of the letter equifax sent saying this account was deleted. As well as other items showing account deleted please ensure items removed
Product: Credit card

I signed up for a Barclay 's CC in order to buy an iPhone from XXXX. I was approved and made the purchase. It required me to set up an autopay via my bank account. On my second autopay, there was not enough money in my account to make the payment. Barclay 's payment system flagged my bank account and wo n't let me use it to make payments any longer. They wo n't take a debit card or a credit card. I do n't have another bank account to make a payment. I 've written them twice and they 've basically blown me off. Meanwhile they 're sending late payment reports to the credit agencies. Effectively they 're forcing me to go out and open another bank account in order to avoid late fee 's and negative credit reports. I do n't want or need another bank account. I have notified them that I have money to pay them twice and asked for them to reinstate my bank account as a payment method twice.
Product: Debt collection

Dear to whom it may concern : I recently pulled up my Experian report and I noticed a derogatory remark on there.

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below.

Im giving your company 15 days to respond to this matter. 

Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Original Creditor : XXXX XXXX Account Number : XXXX Debt Collector : XXXX  XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX XXXX
Product: Checking or savings account

To Whom it may concern, In XX/XX/2022 i moved from XXXX  to XXXX. On XX/XX/2022, I received a call from my bank asking if i authorize 3 transactions on my saving and checking accounts. My answer was NO! While I was on the phone with my bank, at the same time I was logging into my account and finding that all my money had been gone. The Crime was happening while I was on the phone with the bank representative. There were 3 unauthorized transactions happening when I said I DO NOT authorize any actions on my accounts. Money was moved from my saving into my checking account and cashed out with a teller and ATM machines. That exact moment I put claims of a fraud, I have all the reference numbers. The amounts were {$1500.00}, {$5500.00} and {$9500.00}. Location of the branch was detected so as a teller number n the numbers of the ATMs. I contacted county police in the state I was in and in the state fraud was committed. Reports were made. I visited the brach of my bank and with the help of a manager many applicable forms and letters of explanations were submitted. I received letters with denial to return stolen money. Many calls n disputes to a fraud departement were made and they honored 2 amounts and the largest one I am still fighting for. The bank failed by authorizing the actions I DID NOT authorize, no ID was asked at the time of money being taken out, no investigations were happening, no police was taking actions and to resolve this crime, checking the branch where the crime was committed. 
It has been a year. Please I appreciate any guidance and help. Thank u!
Product: Credit reporting or other personal consumer reports

THERE ARE STILL ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE INACCURATE and incomplete. This is a violation of the FCRA. THEY ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY, STATUS DATES, AND INACCURATE PAYMENT HISTORY BETWEEN all XXXX CRA 's in each of the accounts listed. DELETE : ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX, XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS ARE INACCURATE, INCOMPLETE AND UNVERIFIED. THEY ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND INACCURATE DATES IN THE PAYMENT HISTORY. THIS A VIOLATION OF THE FCRA AND THESE ACCOUNTS MUST BE UPDATE TO PAID AS AGREED/PAID ON TIME, NEVER LATE IN THE ENTIRE PAYMENT HISTORY FOR EVERY MONTH. UPDATE TO PAID AS AGREED, NEVER LATE, PAID ON TIME : ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : Equifax and XXXX  Report Date : XX/XX/2018 Collector : XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
XXXX XXXX XXXX XXXX Creditor : XXXX XXXX, XXXX. XXXX  XXXX Account XXXX. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, XXXX Solutions. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations XXXX is obligated to abide by and my own conversations with Navient regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the XXXX XXXX XXXX XXXX, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this XXXX XXXX continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with XXXX their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the Navient representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as XXXX as XXXX with no negative comments. The XXXX XXXX account numbers are Identical to the XXXX Solutions account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as XXXX is reporting. I have done a bit of research on XXXX XXXX and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XX/XX/2018 reports from Equifax and XXXX  and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the XXXX XXXX XXXXXXXX receipt of the application including the date submitted.
Product: Credit reporting or other personal consumer reports

Salutations, My name is XXXX XXXX, I am writing to alert the credit bureaus of improper use of my reports. Ive certified mail my FCRA letter, ( attached below ) last month and yet to receive any correspondence. 

Firstly, I would like only my name to display on the report which is XXXX XXXX XXXX Every other spelling please remove. 

Also would like only my main residence to display : XXXX XXXX XXXX XXXX XXXX GA, XXXX Every alternate or additional address please remove.

According to 15 U.S. Code 1681a - Definitions ; rules of construction late payments are merely experiences, they should not remain on report once paying as agreed and resumed positively.

Kindly remove ALL late payments from each report.

I will also like any and all inquires removed as well, as I have not given any permission to inquire on my behalf, along with selling my information to third parties, and other consumer reporting agencies. Would like the report to reflect positively where all closed accounts especially the repossession, they are not needed, the debts been discharged and offset by XXXX  XXXX XXXX. This is heavily weighing my scoring factor down. 

Again, Ive attached a FCRA letter for your review.

Thx and I hope we may resolve this matter in a speedy manner. 

XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I submitted my dispute letter to your company via mail addressing the errors and mistakes I discovered on my credit report. It has been a few months already since I initially identified and disputed these inaccuracies, yet you have failed to fulfill your important obligation of adhering to the guidelines set forth by the Fair Credit Reporting Act. 

-- -- -XXXX XXXX -- - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX 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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One was one of the few credit card companies willing to extend credit in the wake of my 2010 bankruptcy ( though many years later ). And at the time they charged a very high interest rate 22.9 % and higher. As my credit has improved they do not even consider lowering this interest rate, and have told me that the rate will not be changed from the initial rate. The fact that the rate is based on out-of-date information does not concern them. 

This was confirmed by the rep 's supervisor, who I got on the phone. He was entirely unapologetic, though acknowledged that they get complaints about this. I told them I would do anything possible to pay off their credit card and endeavor not to ever use them again. I have been unable to strictly stick to this, but I did pay off both cards with a loan. 

There may be fine print dealing with this situation -- who would know? But this is inherently unfair, and penalizes people who area already vulnerable, but are trying to raise themselves up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes to company on XX/XX/2020 and still haven't received a response. The information being reported is damaging my credit. I feel like Im being looked over and it is really affecting me. Please intercede to have the incorrect items updated. I don't know if this is a result of me being affected by the XXXX breach but I can't wait until this is over. 
Thank you for your assistance
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Lexis Nexis for their persistent failure to comply with federal and state regulations regarding the accuracy and management of consumer information. Despite my repeated efforts over the past two to three years, including specific requests in XXXXXXXX XXXX XXXX Lexis Nexis has failed to rectify inaccuracies in my consumer profile, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

In my request dated [ specific date in XXXXXXXX XXXX ], I asked for the removal of inaccurate phone records from my consumer profile. Despite Lexis Nexis, in a letter dated XX/XX/ ( case number XXXX ( XXXX ), consumer number XXXX ), acknowledging these records as unverifiable and stating their removal, the enclosed consumer file did not reflect these changes. This non-compliance is a direct violation of FCRA, which mandates the correction of any inaccuracies upon discovery ( 15 U.S.C. 1681i ). 

Moreover, a subsequent communication from Lexis Nexis dated XX/XX/ ( case number XXXX ( XXXX ), consumer number XXXX ), contradicts their earlier acknowledgment, further demonstrating their failure to provide accurate and consistent information. This inconsistency not only contravenes FCRA guidelines but also undermines the purpose of FACTA in ensuring the integrity and accuracy of consumer information. 

Additionally, my subsequent requests for my consumer profile have been unjustly denied under the pretext of inability to confirm my identity. This action by Lexis Nexis is in clear violation of my rights under the FCRA, which guarantees consumers the right to access their credit information and mandates credit reporting agencies to provide it upon request ( 15 U.S.C. 1681g ). 

In light of these facts, I urge the CFPB to investigate these violations by Lexis Nexis and ensure compliance with federal and state laws governing consumer rights and credit reporting standards. I seek immediate rectification of my consumer profile and appropriate measures against LexisNexis for their non-compliance and negligent handling of consumer information. 

Enclosed are copies of all relevant correspondence and documentation for your reference. I also have recordings of the conversations with customer service representatives for your reference at your request. 

Thank you for your attention to this matter. I look forward to your prompt action and response. 

[ Enclosures : Correspondence with Lexis Nexis, Case Numbers XXXX ( XXXX ) and XXXX ( XXXX ) ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account & called the credit bureaus about this matter with no resolution. There was no way possible for me to incur this account because I did not live in their service area. The date the account # XXXX from XXXX XXXX XXXX in the amount of {$2400.00} was opened XX/XX/2021, I did not live in their service area & did not have an account with them. I have worked hard to establish my credit & pay all debts, but this is unfair practicing. While doing my own research I found the fair credit reporting act. Upon reading this, I found out that this has violated several of my rights. 
15 U.S. Code 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681 section 602A states Accuracy and fairness of credit report and I have the right to privacy. 
Thank you in advance for your assistance with this matter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XXXX XXXX 2024 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

After being alerted by XXXX about a collections on my credit report, I called AMSHERE COLLECTION SERVICE at XXXX XXXX on XX/XX/2022 lasting for 11 minutes. Upon being directed to the XXXX department I was greeted by one of their representatives. I did not assume any direct responsibility for the debt but simply asked for information concerning the debt and if there was a pay for delete option. After, the representative said they did not offer such services I said I would need to think about it and call back. Part of the reason being I was not entirely sure about the details of the debt but considered paying in order to save my credit. The representative said to wait a minute and a second later, a man started speaking, and announced himself as the manager over-watching the trainees callhe did not announce his full name. Following this, he began to speak in a very aggressive tone and stated that the only reason I considered paying was because it was impacting my credit and that if I cared about my credit in his opinion and years of experience the best way to settle this was to not allow a bad matter get worse. If I were not to pay this now it it would have a detrimental impact on my credit. The quote mentioned above is almost verbatim what he said. If anyone were to review the call they will find that not only did he use an aggressive tone ( and I dont use that adjective easily ), he would not allow me to even get a single word out to explain the situation that the debt might not be mine. If I said any words he would just continue to shout above my voice and say that in his opinion, in order to prevent further harmful damage to my credit I should pay the debt that is owed and that once referred to as a settled account this will be better for my credit. The man continued to use an aggressive tone with me and I said that threatening me with credit repercussions and doing so in the aggressive tone of voice would not illicit a potentially invalid payment from me. After hearing my dispute he said regardless of your reaction of shock regarding the collection, the facts are the facts and this debt is yours. I said I did not want to continue this conversation and he said you can hang up now if thats the case. Afterwards I called back Amshere Collections XXXX  department at XXXX XXXX, lasting 3 minutes, to collect the mans full name to file a complaint. His name is XXXX XXXX. I had no issues with the initial representative because she was kind and respectful. A simple review of the recorded phone call will certify my complaint. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my XXXX. I hope we can fix this problem soon.