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

On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and XXXX XXXX XXXX. XXXX reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. Transunion and XXXX are reporting foreclosure and XXXX is reporting short sale XXXX XXXX
Product: Debt collection

Service with XXXX was initiated at the end of XXXX, but XXXX was unable to provide the agreed upon service and it was canceled after 1 week. XXXX charged my account and I disputed the charges with the FCC. During the dispute with the FCC, XXXX sent the bill of {$340.00} to collections on XXXX XX/XX/XXXX. I was originally contacted by LVNV Funding LLC and disputed the charges on XXXX XX/XX/XXXX. LVNV Funding did not respond to the dispute within 30 days and I was contacted by 3 companies representing LVNV Funding LLC in XXXX attempting to collect this debt. 

1. XXXX XXXX XXXX contacted me on XXXX XX/XX/XXXX with a response date of XXXX XX/XX/XXXX. 
2. Resurgent Capital Services contacted me on XXXX XX/XX/XXXX with a response date of XXXX XX/XX/XXXX. 
3. XXXX XXXX contacted me on XXXX XX/XX/XXXX with a response date of XXXX XX/XX/XXXX. 

All of these companies claim to represent LVNV Funding LLC and are attempting to collect an invalid debt. I have informed all of these companies that the original debt was not verified within 30 days and can not be collected under current law. I continue to receive debt collection notices, all with different dates that I have to respond by to dispute it. 

This debt is not valid and was disputed in XXXX. LVNV Funding LLC appears to be getting numerous companies to contact me and collect the debt they failed to validate in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in violation of 15 USC 1681b ( 2 ). By provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my report. I am submitting this complaint on behalf of myself and there are no third parties involved. 

INQUIRY : XXXX XXXX  XX/XX/23
Product: Credit reporting or other personal consumer reports

Request for Immediate Removal of Specific Transaction History from Credit Report I am writing to demand the immediate removal of all transaction history, payment history, and related balance information for my XXXXXXXX XXXX account tradeline, as currently reported by XXXX and EXPERIAN. This request is grounded on multiple violations of my privacy rights as protected under various federal laws and regulations. 
Firstly, the reporting of my personal financial information contravenes the Privacy Act of 1974, which safeguards personal data against unauthorized disclosures. Secondly, 12 CFR 1022 ( Regulation V ) mandates the protection, proper disposal, and accuracy of consumer information, which your records have failed to uphold in my case.

Additionally, the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681 and 1681 ( b ), requires consumer reporting agencies to ensure that all data reported is accurate, verified, and disclosed solely for permissible purposes with the explicit written consent of the consumer, which I have not granted. 
The XXXX XXXX ( XXXX ), particularly sections 6801 through 6805, further underscores the obligation of financial institutions to protect the privacy and security of consumer non-public personal information. It explicitly states that any identifiable financial information, which originates from a transaction, or any service provided, should not be disclosed without explicit written consent which I have not given.

Furthermore, 16 CFR 313 and 313.7 outline the regulations for the privacy of consumer financial information and affirm a consumers right to opt out of information sharing. These sections provide me the authority to request the cessation of information reporting as has been improperly handled in my case. 
Given these substantial legal breaches, I insist on the prompt removal of the aforementioned information from my credit report. I expect a written confirmation and an updated credit report showing this removal within 30 days of receipt of this letter. Please be advised that failure to comply with these requests may compel me to take further legal action to protect my rights and privacy.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters informed me when I settle my accounts that it would be deleted from my credit reports. It was deleted from two of the bureaus report but not from the XXXX  report. I have disputed it, one of the accounts dropped off for a month and then it reappeared back on my XXXX  report. The other account with them never came off. This is not what I agreed upon.
Product: Credit card

Community bank holds my XXXX credit card. They have repeatedly made every effort for me to be late on every payment cycle and have refused to work with me. This is how their scam works. Today is Friday XXXX/XXXX/XXXX. My payment according to them is every XXXX of the month. I tried making a payment for today but the option to make the payment for today is grayed out. The payment system on their end says today is XXXX/XXXX/XXXX which is not correct. So the only option Im given is to make the payment for XXXX/XXXX/XXXX which triggers a late fee. I have had the card since XXXX of XXXX and have incurred XXXX late fees. I do n't have that problem with either XXXX XXXX or XXXX XXXX. In addition, I have made large payments which would put me in a " pay-ahead '' status essentially not making me owe any money for the next month. The latter is not the case. Im forced to make a minimum payment every month. I made a payment of $ XXXX XXXX credit limit. I turned around and tried to meet the remaining but the system does n't let me pay up to the XXXX limit. I feel they are not being veteran friendly at all. I have expressed my discontent to them by mail but their only solution is for me to schedule my payments up to a month in advance ( ludicrous ). Please help me in reaching out to them. I believe they 're making themselves rich by banking on people 's innocence who do n't know any better.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  Account Number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX Opened XX/XX/XXXX, XXXX XXXX Account # XXXX Opened XX/XX/XXXX, XXXX XXXX Account # XXXX Opened XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX All this account s not mine it is opend by somebody who stole my identity and used to get cards and loans. I dont have contract with this Agencies they did not provide me with original contract as i requested. In accordance with Fair Credit Reporting act XXXX Accounts Has violated my Rights. 15 U.S.C 1681 section 602 A. States i have the rights to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a accounts without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX : {$1600.00} Medical XXXX Balance : {$470.00} Medical XXXX Balance : {$74.00} Medical XXXX Balance : {$150.00} Medical XXXX Balance : {$190.00} Medical XXXX Balance : {$85.00} Medical XXXX Balance : {$85.00} XXXX XX/XX/XXXX CCB/MPRCC XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX CT B XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX FST XXXX XXXX Balance XXXX {$9.00} XXXX XXXX Balance XXXX {$5900.00}
Product: Money transfer, virtual currency, or money service

sent money to a scammer 2020, i requested a refund through zelle and it was denied for XXXX $
Product: Debt collection

My boyfriend recieved a call from the phone number listed asking for me. I called this phone number back twice and couldn't find out what they were actually calling about. They knew the last 4 digits of my social security number and my current address and kept asking me to verify if this was my information. I have no idea who this company is and they are not a creditor on my credit report. They never stated they were a debt collector and just kept asking me to verify my information before they would tell me what the call was regarding. This company made no attempt to identify themselves and were asking me to verify my information that they have on file, which they read to me first. I didn't provide it to them. They also asked my boyfriend to verify my SSN when he first spoke to them. I refused to verify the information becuase they wouldn't tell me what the call was regarding and they hung up when I pressed them on it. They never identified who they were each time I called and I repeatidly ask to get the name of the company. After getting angry they finally said the company name is Unifin but that was it, no other information was provided. I had to verify online that Unifin , Inc. is actually a debt collector. I believe this to be a scam as I do not owe this company any money. It is very concering that they have the last 4 digits of my SSN and my current address and would like to know what I can do abou this.
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX. Hard inquiries on report that I did not do. All inquiries need to be removed. 100 plus inquiries. I also had a fraud alert. Did not receive one phone call from creditors.
Product: Mortgage

On XX/XX/2022 my home was destroyed by a XXXX. The insurance company paid me for the limit of the coverage and made out a check to me and the mortgage company- LoanCare. I called LoanCare and followed their instructions exactly to send the check by regular mail and unendorsed to their insurance claim check processing center and that they would send it back to me endorsed. As instructed, I included a letter stating that I wanted to pay off the mortgage with the check and with the remainder being returned to me. I mailed the check on XX/XX/2022, and on XX/XX/2022, I called the processing center to get an update on the status of my check. I was told that they did not have any record of the check and blamed me for not calling the processing center and setting up an " account '' with them before I mailed the check- a process that I was not informed about during the instructions I received. I asked the processing center to search for the check and on XX/XX/2022, I received a call back asking me for more details on when I sent the check and to what address- which I was informed I did send it to the correct address. I do not believe for a minute that there is anything wrong with the postal delivery and after XXXX hours from our last conversation, they still do not have a record of my check. This is either a deliberate stalling process to change the status of my loan or incompetence on a level that I have never seen before in a business environment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has claimed to have investigated a account that was reaged by the debt collection agency several times now, twice in the last 30 days, the second time I requested a dispute I included the invoice from XXXX that clearly shows the debt they are trying to collect is older then XXXX XXXX XXXX, and outside of statute of limitations both locally and federally. 

Experian claimed that the document I provided could not be used, even though it is the original statement that was provided to the debt collector from the original creditor, which the debt collector provided to me as proof that I owed the debt. 

Experian said they would have to contact the debt collector to verify the information I provided and would make a determination within 30 days. 

Experian once again said that the debt collector had satisfied to experian that the debt was valid and would remain on my report until XXXX, despite the fact that the original invoice provided to me by the debt collector clearly shows the debt XXXX is from XXXX, which is clear violation of the law. 

If experian has made such inquiries and claims that the debt collector has satisfied the validity of the debt, then clearly either the debt collector is illegally furnishing invoices with altered dates, or experian is not actually verify the validity of the debt, since the original invoice clearly without question shows the XXXX would have been in XXXX. 

As of writing this the results of the investigation page from experian is down, and I can not provide the reports
Product: Mortgage

I have applied for a loan modification. The servicer is stating there are no retention options available. I have been trying to do a loan modification and a short sale for the last 3 years and the bank is not offering me any options at this time. I spoke to the investor who stated that they do allow modifications and short sales and that SPS is the one who is making this decision although they allow both options. SPS states the investor doesn't allow the options, which the investor has stated isn't correct.
Product: Credit reporting or other personal consumer reports

This date that is shows this account is incorrectly reported on my XXXX report it says I omen this account in XXXX off XXXX  with XXXX XXXX XXXX XXXX which is incorrect nor did I open up an account with LVNV FUNDING LLC nor have I ever signed any contract with LVNV FUNDING LLC this information is not reporting correctly to my credit file so I request to have this account removed from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I have communicated to equifax, XXXX, XXXX about incorrect information being reported on my credit report. I have contacted the companies in question and they keep reporting inaccurate information. No one is listening to me or cares at all. This is affecting my credit very badly. I've had good credit up until now. I need your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XX/XX/XXXX - CLOSED ACCOUNT. Opened XX/XX/XXXX - Today, I contacted the number for XXXX XXXX from my Experian credit report. I was told that the account is currently in collections for the balance, although it reports Paid/Closed. I was advised that I should contact the bureau regarding how they are reporting the account. I informed XXXXXXXX XXXX that the claim was filed with the CPFB. They stated that they notified the store of where the merchandise was purchased. They stated they would send the update to the credit bureau. They provided email on where to send screenshots of how it was reporting in my credit. I spoke to the manager, XXXX. I requested the email of the CEO and they did not have it. They stated that they only report to Experian and XXXX. They werent sure on how XXXX reported when they dont report to XXXX . I disputed to the credit bureau in the past and was advised that the update was accurate information, although it is an inaccurate. For Experian, the reinvestigation information was unchanged and the Dispute Took place XX/XX/XXXX. XXXX has been disputed in XXXX, XXXX, and XXXX with no result or update.
Product: Debt collection

McCarthy, Burgess & Wolff has called, emailed and sent me letters for weeks to collect a debt that was paid. I've repeatedly asked them for documentation supporting their collections efforts. In response they have sent me the same invoice from XXXX several times that shows paid in full with {$0.00} due. I've pointed this out several times in emails and voicemail messages that this invoice is marked paid in full, but they keep sending me the same paid invoice. I also provided proof that I paid this invoice in 2017. Today they put my name on a collection letter for a debt owed by a company I've never heard of ( XXXX ) and have nothing to do with - completely different from the paid invoice they've been sending me. No one responds directly to the issues raised in my emails or voicemails. They just keep sending the same form letter and paid invoice - until today when they sent me a completely random debt owed by someone else. I'm concerned they will report something to the credit bureaus that I'll have to battle for the next 10 years.
Product: Debt collection

Was called under impersonation that they were with XXXX XXXX XXXX and was trying to serve a court summons on me. I called they number of the lawyer suppossedly holding the case. Come to find out when I called it was the XXXX XXXX XXXX XXXX and not the lawyer for this case. I was told capitol One Credit card in 2006 owed XXXX. Payments of XXXX ( 2 ) were made on this to stop any legal procedures. They would send via email the contract for 12 months of XXXX to pay this off. I looked up on internet about this company and what a scam I was put thru.
Product: Credit reporting, credit repair services, or other personal consumer reports

YES..I CAN NOT FIND FIRM TO CLAIM THE CREDIT KARMA ... PUTTING OUT FALSE LEADS TO CREDIT CARDS AND LOANS ... ..THEY DID THIS TO ME AND HAVE CONTINUED TO GIVE ME THESE ... YOU HAVE AN APPROVAL ONLY TO TOLD NO AND ITS MARKED ON MY CREDIT AS A HARD CHECK PLEASE FORWARD FORM ... .THEY NEED TO BE HELD RESPONSIBLE ... THOSE HARD CHECKS HAVE DESTROYED MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX that went into charge off status in XXXX of XXXX. Due to XXXX nothing was moving accurately in the economy. The company offered me a settlement in XXXX but they were charging interest on a charged off account. I made 2 payments towards the {$600.00} but realized they were not updating my account. I submitted a complaint with CFPB but no action was taken. It is XXXX I have disputed the error with the credit bureaus and now XXXX is reporting the account as closed every few days. Every week I received communication that XXXX has reported my account closed as of XXXX. This account was charged off in XXXX and they are reporting the account as charged off every month with an incorrect amount as to what balance is That is not FCRA legal. I have disputed to company XXXX and credit bureaus of the inaccuracies. They are not properly investigating my disputes with this company. I have sent certified letters to be able to track my communications costing me money and the discrepancy if affecting my livelihood. How can the same account be closed this many times. This company is practicing illegal reporting practices. It has severely lowered my score because it looks as if I just closed an account and I have not the account has been charged off since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member with XXXX since XX/XX/XXXX they recently switched to Barclays during the summer of XXXX. I was giving a notification of 48 hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the Barclays credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that Barclays reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent Barclays a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve this issue.
Product: Student loan

I am called multiple times a day at all hours ranging from XXXX to XXXX even though my loans are not in default.
Product: Credit reporting or other personal consumer reports

It has come to my attention that items flagged with an FTC report have not been removed from my credit file. Should there be a continued failure to remove the inaccurately reported items listed below, due to the erroneous reporting of personal information, I am prepared to transfer my documents to legal counsel to initiate legal proceedings. My preference is to avoid legal action ; hence, I urge compliance with applicable laws. I request the removal of the following inaccuracies, reported without my consent or knowledge, from my credit 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 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 Should you maintain that this information is accurate and verifiable, I request documentation that includes my signature for each disputed entry, as I believe no such documentation exists. In the absence of such evidence, I formally demand the immediate deletion of this information from my credit file maintained under my Social Security number. You are allocated XXXX business days to remove any information resulting from erroneous reporting. I explicitly object to the use of E-OSCAR or any automated verification process in reviewing my dispute. Enclosed with this communication is my FTC report, reference number : XXXX
Product: Debt collection

This concerning a collection agency, name ( National Credit Services ). Wasn't notified of atempted to garnish my Social Security or any  pending court date. Was told they didn't have to. No verification of debt, was only told the amount. Have no documentation of any kind. The collection agency uses random addresses for purpose of claiming individual was notified at a address they didn't live. They coerce people into making payment arrangements through intimidation and threats just to end up getting their bank accounts cleaned out and large amounts of money taken from what ever source of income an individual has. People being left with no means to live. My only income is Social Security, in which is very little. Granted is pertaining to an old 16 year old school loan that i was unable to pay back. And never heard anything from anyone in all that time. I found out about my SS being attached because my money came up short. Wasn't notified at all not even by SS.