23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I made a payment online and whoever enter the information at Select Portfolio Servicing enter the account number incorrectly ( I am at a loss to understand why the information had to be manually enter by the mortgage company ). The reversal was enter as an NSF.

I was called and gave the customer service agent my correct account number and she verified in multiple time. Again it was entered incorrectly when Select Portfolio Servicing attempted to collect the check. It was entered again as an NSF, I have talked to three customer service agents and was told it could not be changed.

I then called the SPS Consumer Ombudsman Service, and again was told it could not be changed as NSF mean many things to Select Portfolio Servicing.
Product: Debt collection

I contacted Resurgent Captial Services several times to validate the alleged debt of {$3900.00}, Account # XXXX. Yet, I continue to receive letters from the agency that do not validate the alleged debt and have reported invalidated debt in my credit reports, a violation of the fair credit act ( 15 USC 1692g Sec. 809 ( b ). 
2 : RE : Account # XXXX The collection even stated that the summary of the account is not a credit card and not from the original creditor and continues to harass me on debt they can not validate and has no right to collect.
Product: Debt collection

TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT : AFNI  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition  on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence  ( 1 )  In general No perso n ( comp any ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under se ction 1681c-2 of this  title has resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the    pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.   A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under secti on 1681c-2 of thi s title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone Consumer  Protection Act Liti gation, Case No.  XXXX , in the  U.S. District Court fo r the  XXXX   District of  California Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Debt collection

Sent a certified letter to LVNV Funding LLC letting them know that there was inaccurate information on my credit report and asked that they remove the account. They are saying that this account was a collection or charge off and it was open with a balance amount of {$22000.00} on my XXXX, while XXXX has the account as a collection or charge off and has a account status as closed with a balance of {$22000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we discovered we had a number of delinquencies on our Wells Fargo Home Equity account that was creating difficulties for us in getting a new mortgage loan. We hired XXXX XXXX to intervene on our behalf. Upon receiving our credit bureau reports in XXXX, we found that our Wells account had late payments showing for XXXX, XXXX, XXXX and XXXX depending on which service one looked at. We disputed these results through XXXX XXXX. Wells Fargo disagreed with our dispute of these entries. We then spoke directly to Wells Fargo in late XXXX and protested the treatment. We walked the credit person through reports issued by them, and got the on-line person to agree with our conclusion. They said they would submit a dispute to their internal XXXX XXXX XXXX in XXXX MT. We received a response from XXXX in early XXXX ( letter dated XX/XX/XXXX ). The supporting detail provided listed due dates and payment received dates. They omitted the amounts received on the payment receipt dates. Had they taken the receipt date and looked at the amount received, they would have concluded that there were no late payments since we were making timely payments and advance payments for the next period on the same date. Wells completely failed to match up amounts due with amounts paid. 
This has resulted in a lowered credit rating than we have actually earned. We subsequently twice appealed via fax to this group in Billings that will talk to no one but have never received a response. This was on XX/XX/XXXX andXX/XX/XXXX.
Product: Credit card or prepaid card

When I received myXX/XX/2019 statement, the due date for my next payment was delineated as XX/XX/2019. I paid the minimum balance of {$65.00} on XX/XX/2019. This payment is evidenced on my XX/XX/2019 Best Buy Credit Services statement. Strangely, Best Buy Credit Services imposed a {$27.00} late fee on my XX/XX/2019 statement. I did message Best Buy Credit Services on XX/XX/2019 to ask that my {$65.00} payment be appropriately applied to a specific promotional balance so as to avoid excess fees. On XX/XX/2019, the customer service representative messaged me back and stated that Best Buy Credit Services made the adjustment as requested. Without explanation, Best Buy Credit Services appears to have printed three ( 3 ) transactions taking place on XX/XX/2019 instead of the one ( 1 ) for my " online payment '' from my checking account. I checked with my bank and Best Buy Credit Services never returned the {$65.00} to my checking account, therefore the payment was paid by me to Best Buy Credit Services on-time and a late fee of {$27.00} should not have been imposed. I called Best Buy Credit Services on XX/XX/2019 and after a review by the customer service representative, I was told that it was Best Buy Credit Services ' mistake and that it would be taken care of. When I called today ( XX/XX/19 ), I was told that my account was sent to the internal collection 's department. The disputed {$27.00} late fee continues to appear on my account.I am concerned that I may lose the benefit of all my promotional purchases due to Best Buy Credit Services ' error as the promotions require timely payment. In addition, I fear Best Buy Credit Services may report my account more than 30 days overdue to the three ( 3 ) credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

Experian reported account is no mine of XXXX XXXX XXXX XXXX send police report and identify thef report and dont received answer only say is verify how is verified account for them This account hurt my possible get my home and need fixed this account of my credit because is no mine and waiting 90 days for them Dont received answer only say verify
Product: Credit reporting or other personal consumer reports

I discovered that a credit account is being reported inconsistently across the XXXX major credit bureaus. For example, XXXX bureau shows the account as Closed with the following delinquency information : XXXX  days late in XXXX, XXXX, and XXXX, and XXXX  days late in XXXX. Another bureau also lists the account as Closed. Still, it reports the account as XXXX days late in XXXX, XXXX, and XXXX, 60 days late in XXXX, and even labels it as XXXX in XXXX. Meanwhile, a third bureau shows the account as XXXX with XXXX  days late in XXXX, XXXX, and XXXX. 
I have disputed these discrepancies multiple times, yet the inaccurate information remains on my credit report. According to federal guidelines under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( which requires a reasonable reinvestigation and deletion of any unverifiable or inaccurate information ) and Section 623 ( which mandates that furnishers report only accurate and verifiable information ), these inconsistencies are unacceptable. The persistent reporting of this account with conflicting data violates these guidelines, severely damaging my credit profile. 
I am seeking immediate resolution and permanent deletion of this inaccurate account from all credit reports.
Product: Mortgage

XXXX XXXX XXXX ( Lawyer ) Information : XXXX XXXX XXXX XXXX is my attorney, who has been working for me in our behalf with Well Fargo for a long period of time to fix my mortgage issues with Well Fargo. Although i pay our home insurance, they are still adding escrow to my mortgage insurance. It came to a point my wife became so sick because Well Fargo is putting to much pressure into my finance. The money that was removed by the courthouse.Well Fargo Added that money to our mortgage principal and made me pay escrow over it. Nobody informed me until I found out 10 years later. Now, Well Fargo does not want to fix our mortgage payment and gives me the money back that i paid extra for. Well Fargo is not willing to cooperate with my lawyer. I need help to fix my monthly payment and receive my extra money back that I had over the last 10 years. Someone inside Well Fargo is playing with my mortgage for me to lose my house.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Debt collection

I called the number XXXX to hunter warfield inc, when I was talking to the collector he mention this company charges interest of 6 %, when I asked why they charged is a collections he told me is what they charge period I try explain if they have any documentation about that he said, I asked for the validation of the debt he was telling me that paper is XXXX that important since account is already in collections I ask anyway.I want informacion why this collections is charging interest. my social # XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the 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 Balance : {$370000.00}
Product: Credit card

I applied for a credit card and I, the consumer and natural person, was denied credit by XXXX XXXX, when I applied for a Line of credit, A credit Card Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX XXXX due to the response I received. 
XXXX XXXX is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX If XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make XXXX XXXX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, XXXX, TransUnion.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain information from my file. The items in question are listed in the report I have provided. I am a victim of identity theft and did not make the charges in question. I have reported the theft to the Federal Trade Commission and have enclosed copies of the Identity Theft Affidavit. 

Please delete these items from my credit report as soon as possible. 

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I spoke with a loan representative of Truist Bank about a home equity loan or a personal loan. She recommended that I fill out an application online at their affiliated company, " XXXX '', for comparable interest rates, easier qualification, and swift approval. on her recommendation, I did so. 

They advertise their rates " starting at '' 3.99 %, though I completely expected a higher rate than that. 

After inputting basic information about loan purpose ( home improvement ) amount requested ( {$25000.00} ) and payment term ( 180 months ), the website showed an interest rate of 6.49 % " with excellent credit ''. A small disclaimer noted " Exact rate within the range is determined by credit profile ''. 

I proceeded with the application. I had pulled my XXXX credit reports and they were all between XXXX and XXXX, a credit score that is considered " excellent '' or " perfect ''. I also accurately estimated my income at {$50000.00}, my home equity at $ XXXX, and my liquid cash on hand at $ XXXX. I know that the credit reports will reflect a consumer credit card balance of under {$2000.00} and no other debt whatsoever. Literally decades of not one single negative credit experience. It is hard to imagine a more " excellent credit profile '' than mine. 

Yet, my " loan offer '' came back to me today ( XX/XX/2022 ) at 7.99 % APR. Given my credit profile, is completely ridiculous for my rate to come in at a full point and a half above what they advertise as the rate for " excellent credit ''. Maybe a quarter-point, to give them the benefit of the doubt. 

Their underwriting algorithm is a black box ; they have no phone number to call to discuss their underwriting, and their email " support '' is a joke... i received a boilerplate " we are sorry for the inconvenience '' reply. 

I realize that the rate offered to me, in the current lending climate and overall scheme of things, is much better than the ridiculous rates charged by predatory payday lenders and such. However, it is still a consumer rip-off. 

This strongly smells of deceptive trade practices, bait-and-switch, and false advertising. I don't actually " need '' a loan so I have a choice to decline it, which I may do. But they prey on people who do need the funds and are lulled into accepting a rate that is substantially above what they are lead to believe it will be. I suppose that the law is weak and they may be able to get away with it, but that doesn't make it right. 

Their correspondence is boilerplate and non-responsive ( see attachments ).
Product: Credit reporting or other personal consumer reports

I received an email on XX/XX/year> from XXXX for XXXX indicating I have a new inquiry in my credit report. The inquiry was reported on my XXXX report on XX/XX/year>. I contacted the company twice and there is XXXX option that ask if you XXXX  calling about an inquiry on your credit report, press the star key but each time I call, Im on hold for 40-42 minutes and then I receive a disconnect tone. Also, when I call back I am the first caller but still waiting XXXX minutes. I have no clue what this company is about nor did I apply for anything on XX/XX/year>. Please assist
Product: Vehicle loan or lease

Numerous Times I have taken action to either lower interest rates so my monthly payment could be lower because I am in the military and I have been in multiple situations that effected me financially and I could not afford the month to month payments. I have excersied and exhausted my extensions playing catch up with Ally Bank multiple times such as XX/XX/XXXX agin next month XX/XX/XXXX then the following year XX/XX/XXXX and lastly XX/XX/XXXX. I have continuously worked efforts out to contact ally on numerous occasions but I was denied repeatedly any sort of fair treatment due to my hardship. I would love to have to participate In SRCA but i dont meet the requirements so I am taking a huge hit.
Product: Debt collection

On XX/XX/XXXX at XXXX MST I received a call from a XXXX at Orion Capital Solutions , he gave me some information about a contract/debt owed and then said he assumed that I wanted to take care of this. I asked if notification had been sent, he said an email had been sent. I asked if a letter had been sent to my po box , and he asked what good would that do as an email had been sent. I informed him I had not received an email and he started saying that I don't need to raise my voice. I calmly told him that I was not raising my voice, I just want to have a verification of the debt as is my right. He said he would just assume that I didn't want to take care of it then wished me good luck and hung up. He then IMMEDIATELY called my wife and left a very threatening message telling her how I was an extremely difficult individual and all I wanted to do was argue. He mentioned a property assessment report and verification of income. Then ended the message to her with " I apologize for the headache this is going to cause because your husband thinks he needs to talk to people in a certain way ''. I called him right after hearing that and he was angry and again hung up on me. I called him back again and he answered the phone with " What do I need to do to get you to stop calling me? '' He also said that I already told him I wasn't going to take care of this debt and there was nothing more to discuss. I never said that, I only asked questions. This is text book aggressive practices and trying to play a wife against a husband is extremely unethical, not to mention suggesting there would be future problems after telling her about property assessments and income to me suggests they are telling her it would be financial problems coming from this.
Product: Credit reporting or other personal consumer reports

Company Continues to unlawfully report fraudulent accounts that were open due to Identity theft. Company has been notified and sent copies of police report and FTC report.