23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had 4 lines with XXXX XXXX, had an account with them for 5 years. In XX/XX/XXXX I called them and told them that I would be disconnecting my service. Out of the 4 lines on my account, there was one that had a contract on it. The phone was completely bought outright almost 2 years prior and I was told on XX/XX/XXXX that the contract would end on XX/XX/XXXX. I recieved a letter from XXXX dated XX/XX/XXXX stating that the bill due was {$400.00}. I called them, spoke to a representative on XX/XX/XXXX who then stated that the amount due was {$590.00}. Since I disconnected my service in XXXX, all of a sudden I was hit with a huge bill for {$880.00}. I could no longer access any bills on the website and I then called XXXX XXXX and requested copies of the bills for the past few months. I did not believe that I owed them the above amount. I recieved a collection letter dated XX/XX/XXXX for {$880.00} from XXXX XXXX. I then received copies of the bills directly from XXXX XXXX dated XX/XX/XXXX. How could I possibly be in collections for a bill and I hadn't even recieved a billing statement? I have no idea. One of the things that XXXX kept saying to me was that I was always billed a month ahead. Well if I was billed a month ahead for service, how in the world could I owe such a huge amount? As I looked over the months bills, I see that they charged me {$140.00} for early termination. I should not have been charged this amount. That still doesn't add up to {$880.00}. In XX/XX/XXXX I called XXXX and could not get through to billing or a live person since I no longer had service with them. I was transferred and given automated information stating that the account was now with a collection agency out of NJ -XXXX. I was not sure who that was. Surprisingly I received another collection letter from North Shore Agency out of NY. I went online last week - XX/XX/XXXX and put in a request for them to contact me as I wasn't sure who to dispute with or contact regarding the incorrect amount. I made a payment in the amount of {$85.00} online with the company and all of a sudden I was hit with a collection on my credit report. Before hitting my credit report I expected to hear directly from them regarding the amount in question. I reached out to both XXXX XXXX and Northshore agency as I wasn't sure who handled the account. The above amount is in question and I don't believe that I owe the original creditor XXXX XXXX {$880.00}.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX XXXX  Account Number : N/A I have discovered that XXXX of XXXX has incorrectly reported this account as a charge-off. This information is inaccurate and does not reflect the true status of the account. Furthermore, this item had previously been deleted from my credit report, yet it has been reinserted without proper notification as required by law.

According to 15 U.S. Code 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The failure to do so in this case is a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), if a disputed item is reinserted into a consumer 's credit file, the consumer reporting agency must notify the consumer within 5 business days of the reinsertion. I did not receive such notification, which further violates my rights under the FCRA.

I request that you promptly conduct a thorough investigation into the reporting of the payment status of this account and take immediate and decisive action to rectify these inaccuracies and ensure that the incorrect charge-off status is removed from my credit report. A fair resolution to this matter would entail marking the account as " Paid as Agreed '' or " OK '' to accurately reflect the true payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. XXXX XXXX, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.
Product: Mortgage

I have always paid my mortgage on time. Nationstar Mortgage paid my impounded insurance bill 15 days late causing my insurance to lapse. After that I got a new refi and during that time while in escrow they XXXX XXXX paid insurance 15 days late XXXX ) sent me a letter to force insurance if I did not comply XXXX ) ran XXXX credit inquiries on my credit report all XXXX agencies XXXX ) reported my acct as a 30 day late while in escrow after delaying payoff info after XXXX request causing a late charge XXXX ) reported after account was paid in full My property was neglectfully uninsured for 15 days!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Lexis Nexis Stated in the letter attached that they verified the Bankruptcy from a 3rd party ( Pacer ) Lexis Nexis and Pacer has the incapability to verify information unless they have first hand knowledge of an alleged debt or account. As you will see in my evidence directly from the XXXX office stated they do not provide any credit reporting agencies with any information. XXXX no Lexis Nexis can not validate or verify any information that is not directly being verified or validated by the original creditor. 



Please investigate the unlawful practice of Lexis Nexis and there methods of conducting investigations as the accuracy of reporting information. They are clearly not properly following the FCRA regulations as it pertains to the Privacy a consumer has a right to, and also they do not have permissible purpose or written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a house in XXXX 2017. Within 3 months I started shopping for a refinance mortgage company to re finance my home. form XXXX to present date I have contacted at least 17 mortgage companies with no success in refinancing m home. Each time I contact a mortgage company all 3 credit bureaus are list them as hard hit. Another inquiry is added to my already my already spiraling downward credit report. I was made aware of the info that CFPB has relating to Mortgage Bureau 's protocol within the Credit Bureaus Reporting practices on Mortgage inquires. The article says and i quote " You can shop around and get multiple preapprovals and official loan estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45 day window is over. Shopping around is still worth it. The impact of an addtional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is being found because TransUnion has been caught in several lies and they are now discriminating from allowing me to utilize my credit on Friday XXXX the XXXX I received a response back from The following complaint XXXX XXXX XXXX XXXX XXXX XXXX stating that the information on my credit report did not exist .... However, please explain to me how it does not exist when all the information was attached to that complaint form I also received a letter back from TransUnion on XX/XX/2022 stating that the XXXX recovery was removed from my transition account which was after the complaint was filed XXXX XXXX XXXX XXXX so again explain to me when was all of this removed from off my credit report because it was not removed until after the complaint was filed therefore you can see the lies that TransUnion is telling
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted.

Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : I C SYSTEM ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX {$460.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus did not respond to my letter of inaccuracies on my credit report within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice two accounts on my credit report that does not belong to me : 1XXXXXXXX XXXX  Account # XXXX 2. ( Original Creditor : XXXX XXXX ) Account # XXXX I am a victim of identify theft and I have filed a FTC report and XXXX complaint as well as a direct dispute with the credit bureaus to put them on notice of these inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Equifax 's security breach. I now have to spend money to protect myself and my credit because of Equifax 's negligence - specifically to freeze my credit until I can determine the extent to which Equifax has allowed my information to be disseminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me with Equifax. Attached is a detailed description of my complaint. Thank you in advance.
Product: Debt collection

Several months ago, I discovered an open account in Collections on my XXXX credit report. This was an account listed by Focus Receivables Management of XXXX, GA, in the amount of {$110.00}. Upon contacting them, they had stated this account no longer resided with them, and I needed to contact the original debt requester, XXXX, in order to settle it. 

After doing so and closing out any and all remaining Collections accounts with XXXX, and additionally confirming that I owe no further debt to them with a representative of theirs over the phone today, I noticed that this is still listed on my credit report. 

I contacted Focus Receivables several months ago to question this, and they stated that it was simply an error and would " fall off '' my report in 30-60 days. It has not, and upon contacting them again today, I was told the first time that the representative would need to " request her manager send a Delete Request to the Credit Bureau, but that she was currently busy and to try back later ''. Upon calling them a second time today, I was subsequently told that everyone in that department was in a meeting, and to again try back later. 

Upon further research I discovered a litany of complaints, poor reviews and suggested illegal activity surrounding this company on multiple sites, and additionally discovered they are not accredited by the XXXX. 

At this time I would like to file a complaint in order to have this erroneous information removed from my credit report, as I have done my due diligence in attempting to clear this up with Focus Receivables on my own.
Product: Checking or savings account

Dear Truist Bank, I hope this message finds you well. I am writing to request a refund of {$80.00} that was charged to my checking account yesterday. As a dedicated member of your institution, I have always trusted in your commitment to providing exceptional service. 

Unfortunately, I recently experienced some unexpected and difficult circumstances related to my father 's health. As a result, I was not aware that the assistance I received would come at a cost, and I can not afford the additional fee at this time. I am barely able to stay afloat financially, as I am constantly traveling back and forth to the hospital and trying to provide for my XXXX young boys. 

I am deeply saddened by the way I was treated over the phone by supervisor. They were not understanding of my situation and made me feel humiliated for asking for help. I understand that mistakes can happen, and I am hoping that you can find it in your hearts to assist me during this difficult time. 

I appreciate your understanding and look forward to resolving this situation as soon as possible. 

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

I am disputing unauthorized inquiries on my Experian credit report. Upon reviewing my credit report, I discovered the below inquiries that I did not authorize or recognize. These inquiries are damaging to my credit score and financial well-being. These inquiries are : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these inquiries be investigated and removed from my credit report as soon as possible. I understand that unauthorized inquiries can be a sign of potential identity theft or fraud. I have taken steps to protect my identity, including monitoring my accounts for any suspicious activity. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Debt collection

Received summons in mail for judgement XXXX XX/XX/XXXX from Thaddeus Bechtle in regard to file number XXXX. 
Called collecting company on as I had NOT received a notification, Spoke with XXXX and she stated that one notification was sent in XX/XX/XXXX via mail and this was the only communication sent. 
The documents included in the summons, state that the company went to court in XX/XX/XXXX. I was never notified, XXXX confirmed again, I was only notified from Thaddeus Bechtle law agency once. 
I asked if this was policy and XXXX refused to answer. 
I asked if I could set up a payment plan, XXXX answered yes- but agency would still proceed with upcoming court date of XX/XX/XXXX. 
I asked if I could set just pay the full amount of {$800.00}, the amount that is due. XXXX said yes, but that still would leave a balance of XXXX XXXX stated I must pay the fees to avoid court, making me pay a total of {$1100.00}. 


XXXX refused to allow me to speak with management to satisfy the account that she would only transfer me to the office manager, XXXX, no phone call returned.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX to track my credit score and report. Yesterday I received multiple emails from them stating that my 'credit file had been updated '. Upon looking into my account, I saw seven separate credit inquiries I did not authorize. All of them were dated XX/XX/year>. I filed a report with XXXX to dispute the inquiries. Coincidentally, I received a call and text from a local car dealership in my area regarding a supposed inquiry that was made online about purchasing a new vehicle. I informed them I was uninterested and had not made any online inquiries. I don't know if these two things are related. I have contacted this dealership 's credit department to inform them that it was a fraudulent inquiry.
Product: Checking or savings account

I need my funds to be available tomorrow not XX/XX/2023. The bank put a six days hold on my account for depositing my place of employment check. It was deposited on Saturday XX/XX/2023. I never had to wait six days for a check to be cashed. I have a negative balance in my account that needs to be satisfied and I have bills and children to feed. I need my money ASAP, like today I need my money.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the CONSUMER. I have the right to make sure my private information isn't shared, which 15 USC 6801 backs that, and it states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a financial institutions by definition under that title. 15 USC 1681, Section 604a, Section 2, states that " In general, subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  the financial institutions, and consumer reporting agencies XXXX and XXXX do not have my written consent. Any and all consents to XXXX, XXXX, I XXXX XXXX and XXXX XXXX XXXX whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option., XXXX XXXX  XXXX and XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting again without my permission, which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under Section 1681b of this title. '' Transunion, XXXX and XXXX are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I purchased a vehicle today. XXXX finalizing, XXXX XXXX wanted to confirm my identity by having me call them from the number listed on my credit report. 

Unfortunately, the number that is listed on my Experian Credit report, XXXX, is INCORRECT. 

I have tried to correct it, but when I attempt to verify via email, I never recieve the confirmation code. 

This is preventing me from finalizing financing for my truck. I am requesting assistance from CFPB to resolve this issue.
Product: Mortgage

Wells Fargo closed all 5 of my accounts with no explanation to me or advance notice. Their actions caused my credit report to drop 35 points causing me great financial harm. I want my credit rating to return to what it was before Wells Fargo decided to close all of my accounts.