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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX
Product: Debt collection

Debt from XXXX for XXXX XXXX was purchased by Vance and Huffman LLC. Vance and Huffman added a new credit line on my credit report dated XXXX. XXXX was included in an action lawsuit and advised to release consumers from existing lease agreements and then sold my account to Vance and Huffman. I have disputed this 3 times in the last 6 months and it still has not been removed.
Product: Mortgage

On or about XXXX Borrower sent NationStar a QWR requesting an accounting of the roughly {$19000.00} missing upon transfer to NationStar. NationStar did not respond adequately. Instead, a representative from corporate incorrectly asserted borrower as in arrears a total of XXXX payments and owed the sum provided. -the matter remains unresolved. 
On or about XXXX a Qualified Written request requesting the same clarification with an additional request to resume normal mortgage servicing upon voluntary dismissal of the bankruptcy was not acknowledged. QWR followed again in XX/XX/XXXX. No acknowledgment. 
On or about XXXX correspondence was received. The correspondence received verified the error as it listed payment due dates from XXXX to XXXX ( accurate ) adding up to {$12000.00}. 
Correspondence dated XXXX also listed a total due of {$31000.00}. This amount subtracted by {$12000.00} is roughly. {$19000.00}! -- the missing payments. 
The advantage of filing Chapter XXXX, although presently voluntarily dismissed, is court supervised and accounting of all payments are undisputed. Factually speaking, a total of {$100.00} of payments were disbursed to the investor on the note. What happened to all these payments? 
Next, upon filing of petition, borrower was not behind. Bankruptcy was filed for reasons other than cram down. Cram down was incident to other matters and therefore, motivation for filing was not because borrower was behind but incident to other financial matters requiring restructuring. Petition clearly demonstrates that borrower was not behind Another QWR followed in XX/XX/XXXX. A letter was previously received in XX/XX/XXXX. Another letter was received in XX/XX/XXXX requesting extension on QWR. 
On or about XX/XX/XXXX a letter was received which states and I quote, " NationStar Mortgage LLC is in receipt of your verbal complaint of XX/XX/XXXX regarding the mortgage loan described above ... The complaint was not verbal, in fact it was made expressly in writing in the format required by the Federal Government and CFPB. An express complaint was also submitted to the CFPB and no acknowledgment of this has been provided by NationStar to date. 
Correspondence dated XXXX further states, " We have conducted an investigation and it was determined the error you asserted did not occur on the account. '' ... " You are XXXX payments delinquent. '' Well if that 's the case then what happened to the money XXXX payments unaccounted for upon transfer to NationStar Mortgage? 
Next, the letter dated XXXX demonstrates sloppy research. The letter references the original petition in bankruptcy and it provided a copy of the same. The original petition in bankruptcy is not the final legally enforceable terms of the modified payment in bankruptcy -- the confirmation plan is. I 've attached the same to this formal dispute.
Product: Debt collection

It was brought to my attention that I had outstanding medical debt in collections when I applied for my auto loan in XXXX of 2021. The negative remarks affected me by not allowing me to qualify for a loan with low interest ; therefore I decided not to move forward with purchasing a vehicle. Instead I decided to get to the bottom of this medical debt that was of surprise to me, as no medical or collections entity had ever tried to reach out to me before to collect payment or give me the opportunity to dispute the debt. 

Consequently, I was able to track down the California Business Bureau as the entity that reported this debt making it onto my credit profile. I then contacted them via phone to investigate the debt they stated that I owed, instead I was responded to with aggressiveness and unwillingness to explain the details of the debt they claimed was mine. I was even threatened that they would once again report me to The Credit Bureau if I did not pay the balance by the end of the month. 

Seeing that they were of no help to explain this debt to me, I resorted to solely communicating via mail moving forward to track any information given to me as well as my attempts to get more information on the debt. 

XX/XX/2021 I sent CA Bus. Bureau a debt validation letter via certified mail on XX/XX/2021 ; in this letter I requested multiple items, including for them to validate this debt they claimed I owed as well as requesting that they prove that they had permission to obtain my medical records. 

XX/XX/2021 I received a response via mail from them in which they provided a letter as well as itemized bills from the hospital, detailing services and medications rendered, alongside diagnosis. I would like to note that the hospital bills they provided me with had the incorrect address on them, further proving that I had not been contacted neither by the hospital or the collections agency. They failed to provide any form of signed consent by me that authorized the hospital to release my medical information to them let alone any other entities. 

XX/XX/2021 Seeing that they did not provide me with all of the things I requested, I resent the debt validation letter via certified mail in which I requested that they provide the remaining missing documents. This includes the signed authorization to release my medical records, which I know that they do not have, as I never signed a form as such. Instead they sent a list of my medical records ; which I know is a direct violation of HIPAA law regulations. I never signed a HIPAA form authorizing them to have access to this information. 

XX/XX/2021 CA Business Bureau sent out the same information that they had previously sent in response to my first letter, therefore ignoring my request to allow them once more to validate the debt and remaining documents.
Product: Bank account or service

I have paid my Macy 's account balance XXXX separate times, and yet I still see another {$2.00} bill added to my account. I know I have paid the balance off so I do n't check since I have not charged anything at Macy 's. How do they get away with the practice of adding a {$2.00} fee to my inactive account?
Product: Checking or savings account

I was charge XXXX for and a purchase from XXXX i did not authorize and someone stole my card and did this transaction on my TD Bank checking account please help me resolve this issue my money was stolen.
Product: Student loan

First, on XX/XX/XXXX, I called Nelnet & spoke with XXXX ( customer service representative ) regarding a letter I received in the mail dated on XX/XX/XXXX for a student loan that XXXX claim to have never received a payment. In addition, according to XXXX their computer system shows that I 've never contacted them before, they have never received a payment from me, she does n't know anything about the university ( student financial services ) placing a hold on my student account for tuition fees of {$1000.00} on XX/XX/XXXX,  and their computer system shows that I received {$8000.00} ( subsidized ) & {$8000.00} ( unsubsidized ) student loans totaling {$16000.00}. 

Finally, I was only issued by the university three tuition refunds for two semesters ( XX/XX/XXXX & XX/XX/XXXX ) based on my enrollment status with refund dates & amounts along with last payment as follows : 1. XX/XX/XXXX = {$1200.00} 2. XX/XX/XXXX = {$2400.00} 3. XX/XX/XXXX = {$3700.00} The total from those three payments is {$7400.00} with the last payment from the hold placed by student financial services made on XX/XX/XXXX for {$110.00}. My total amount of payments made towards tuition as of XX/XX/XXXX is {$1000.00} with the remaining balance at {$6400.00}.
Product: Debt collection

CNAC contacted me on the day my payment was due trying to collect it before it was even late. I was already about to pay it when it was due. They left threatening voicemails to escalate the situation and call my employer, friends, and family if I did not pay within thirty minutes, which would have still been within the due date. I was contacted by a representative named XXXX from the XXXX branch I believe. They were very rude, and I called a little irate myself because of the voicemail they left me. Theyve done this multiple times and definitely show no remorse for the ongoing pandemic. Please hold them accountable for their unfair and aggressive practices. Attached is the voicemail he left me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. Equifax has violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. I sent them all appropriate information to identify me. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on 4 inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. 
This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Product: Checking or savings account

I had a Wells Fargo Checking and savings account and a personal loan with them that paid from my checking account. In 2015 I filed for bankruptcy that included the loan which was granted. Wells Fargo was notified and continued to take payments even though I was granted the bankruptcy. I had to close all my accounts with them. I contacted their customer service multiple times and essentially told me too bad for you the money is ours.
Product: Credit card

The company Home at five and seventh ave bought are one company. They bought had XXXX separate credit card bills on my credit report. I called to see what was going on before I had never even received a catalog or anything from them I did not even know who they were. When the representative answered my call she explained to me that they had sent catalogs to my old address from when I was a child, I had not lived there in about 10 years, but my mom still stayed there and her name is also XXXX so, I explained to the company that it was my moms credit card not mine they had put it under the wrong credit report. From that day I have been trying to get the company to take the credit cards off my report but, they refused I have also disputed them several times. They are refusing to take it off my report even though my license even says I have n't lived where they sent the catalogs. but my mom did
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I reported to XXXX that an attempt to open a credit card account had been fraudlently attempted, after receiving a text from a credit card company saying my application had been approved, when I had not applied for any card. This fraud activity was proved and resolved, with removal of that credit card from my credit report. I placed an alert on my credit accounts after this, but I received no alert from any of the three credit agencies regarding these fraudulent addresses on my account in between XX/XX/XXXX and XX/XX/XXXX. I recieved word from a family member that they had experienced fraud in XX/XX/XXXX, so I checked my credit report again at this time, finding two addresses that are not associated with me. I reported to XXXX on XX/XX/XXXX a dispute to my credit report that there exists two addresses on my credit report that I have never been associated with : these are a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX did not agree that these were disputable addresses because I did not have a police report or FTC report to go along with the dispute.
Product: Debt collection

I called Paypal back and told them I knew I just missed this one payment this month but intend on making a late payment. The gentleman told me the bombardment Id calls would not stop until the payment is made. I told him I wanted them stopped ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem because there are a lot of inaccurate information on my report. I have been a victim of identity theft. I have XXXX inquiries, collections and misinformation that does not belong to me. 

I have varying birth dates, social security numbers, and addresses where I never lived and collection accounts that I DID NOT OPEN. I am XXXX years old and my credit is important to me. I am getting phone calls for some woman named XXXX XXXX, whom I suspect is responsible for this.I have tried to find out who she is to no avail. All of this stuff needs to be removed from my account. I can't have this issue continue. 

This person, I assume is doing a lot of this online.I am now trying to rent a home, and all of this keeps coming up, it is NOT fair for me to have to pay for someone else 's fraud. 

I am asking that anyone that inquires into my file, let it be known that Iam disputing my credit file and I AM A VICTIM OF identity theft. This woman XXXX XXXX is from New York, as far as I can tell and all she does is try and buy things in other people 's name. She is of XXXX descent, and scamming is her game. She is on XXXX, without a picture.
Product: Credit reporting or other personal consumer reports

XXXX, has reported inaccurate information. Also in accordance with the Fair Credit Reporting Act, 15 USC 1681 section 604a section 2, states a consumer Reporting agency CAN NOT furnish an account without my written instructions. In addition I feel my rights were VIOLATED, and ask for my right to privacy in accordance with 15 USC 1681 section 602, states I have the right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I submitted a complaint yesterday and had Apple send me an email saying they received it and that they were putting in writing in the same email, confirmation that someone reached out to me and followed up with my complaint. I did not speak to anyone yesterday regarding my Apple Card. 
Nobody attempted to reach me at any point by phone, text, email, anything. I will upload my call history and voicemail history for yesterday ( XX/XX/2024 ) the day they claimed to have called. I also messaged to see why that was sent to me and they put in my notes on my profile that someone spoke to me which did not happen. I have also requested all communication be via email in writing to avoid this issue further. They have confirmed that they will put it in my file. But with apples dishonesty, here is photo evidence to prove the actual events of the situation. 

They again have ignored my issues and now sending a fraudulent email saying that have attempted to address them. Nothing has been addressed and I want to make it known that their lies, scams and frauds will be reported everytime. I do apologize in advance if I am forced to submit multiple complaints due to apples fraud and negligence to be a honest company and do right by their customers.
Product: Debt collection

Collector called before XXXX at XXXX and than repeatedly called after.
Product: Debt collection

XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX, XXXX, CA XXXX ) has committed fraud. The company created fake loan number XXXX and hired XXXX  XXXX [ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, WA XXXX, phone ( XXXX ) XXXX. Fax ( XXXX ) XXXX ] and XXXX XXXX XXXX [ XXXX. XXXX XXXX, XXXX XXXX, WA XXXX ] in attempt to collect {$15000.00}. XXXX XXXX XXXX, XXXX placed my name and my wife 's name on that fake loan. 
We have never signed any loan documents with XXXX XXXX XXXX, XXXX Approximately XX/XX/XXXX I received 30-day notice of demand - intent to foreclose and right to cure from XXXX XXXX demanding {$15000.00}. On XX/XX/XXXX letter from my attorney was mailed to XXXX XXXX, disputing the debt, informing XXXX XXXX that I have never applied for a loan with XXXX XXXX XXXX, XXXX and requesting to validate the debt. 
Approximately XX/XX/XXXX I received recently fabricated loan application from XXXX XXXX XXXX with my name on it and XXXX XXXX  as a lender. The application is missing signatures. Application for HELOC with XXXX XXXX  I signed. Copy of the application I received from XXXX XXXX XXXX is not my application I submitted to XXXX XXXX. On XX/XX/XXXXXX/XX/XXXX second letter from my attorney was drafted and mailed to XXXX XXXX and XXXX XXXX XXXX informing them that their collection attempt to be fraudulent and demanding second time to validate the debt XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX have failed to validate the debt. 
Apparently XXXX XXXX and XXXX XXXX XXXX have disengaged themselves from doing business with XXXX XXXX XXXX, XXXX due to the fraud. I have not received any more letters from either XXXX XXXX and/or XXXX XXXX XXXX, XXXX demanding money. 
On XX/XX/XXXX letter drafted by my attorney was mailed via Certified Mail to XXXX XXXX XXXX, XXXX informing that HELOC loan with XXXX XXXX  was paid off in full on XXXX. Attorney requested to release the lien and stop all collection efforts. XXXX XXXX XXXX, XXXX is holding the Deed Of Trust XXXX XXXX  has failed to release when the HELOC was paid off. XXXX XXXX XXXX, XXXX has captured the Deed Of Trust and is fraudulently demanding money. As of XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX has refused to accepted the letter from my attorney and proof of payoff from XXXX XXXX. Second notice in attempt to deliver was generated by Post Office on XXXX. 
XXXX XXXX XXXX, XXXX has hired Aldridge Pite , LLP ( XXXX XXXX XXXX, XXXX XXXX, California XXXX, phone XXXX ) On XXXXXX/XX/XXXXI received Debt Validation Notice letter from Aldridge Pite, LLC with amount {$40000.00}. Loan number is listed as XXXX XXXX XXXX XXXX XXXX XXXX has failed to release the deed of trust and continues its fraudulent activity attempting to collect money.
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. 

List of Unauthorized Inquiries : 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 XXXXXXXX 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: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I found out I was being reported as deceased on my credit report I requested I copy of my report in the mail when I received my credit report I seen someone else name date of birth and deceased remark, witch explained why Ive been having trouble accessing my credit report on my report I have no credit history because of this information I am being denied of every thing I applied for I tried to get this remark corrected since XXXX and NOTHING but stress and multiple different phone calls and misdirection this has been the most stressful situation please help me get this resolved!!!
Product: Credit card or prepaid card

I paid off a number of credit cards as a result of selling my home and buying a new one. My XXXX store card had a balance of {$610.00} and a payment of XXXX was received by the credit card company before the due date of XX/XX/27. I then had to pay an additional {$2.00} to close the account. The XXXX card is issued by Comenity Bank.
Product: Debt collection

I noticed an account from Procollect on my credit report on XXXX/XXXX/XXXX I have never received any communication from this company regarding this account. I contacted this company on XXXX/XXXX/XXXX and was advised of 2 accounts in their office I was told I could n't pay one without paying the other. 

This account should be removed from my credit reports immediately