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

Hello I reviewed my Consumer Reports and noticed that I had XXXX late payments on a FIG LOANS TEXAS LLC that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : FIG LOANS TEXAS LLC ACCOUNT # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Also, attached are the THE HEROES ACT PROTECTS CONSUMERS AND THEIR CREDIT SCORES.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexus nexis and XXXX  giving out my information when i've been a victim of ID theft i've opted out of everything violations of my rights
Product: Debt collection

I received a call on XXXX XXXX, 2017 from debt collections agency Diversified Consultants Inc stating that my husband ( they stated his correct name repeatedly ) owed a debt with XXXX & XXXX XXXX. I told them it was not correct and to give me dates and address. They did. Not ours. I asked Diversified Consultants to confirm the last 4 of my husband 's social security number to verify it was my husband. The number they have was indeed my husband 's last four of his SSN. I told them this was then fraud. They told me to contact XXXX XXXX XXXX identity theft. My husband contacted XXXX XXXX XXXX identity theft hotline. XXXX XXXX XXXX told my husband that it was not his name, no SSN was on the account, and it was not his birthday listed. So no fraud according to XXXX XXXX XXXX. Diversified Consultants denied illegal collection practices saying they got my number and my husband 's SSN from XXXX XXXX XXXX. Diversified Consultants is using illegal collections practices by assigning someone else 's SSN to accounts that lack one but have similar names.
Product: Vehicle loan or lease

Hello, I am a XXXX Veteran, and I was approved for a Capital One Auto Loan for amount {$110000.00}. They say I have to go to the dealership XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I need to know my rights and if I am being taking advantage of by both the dealership and lender Capital One. I went to the dealership today and they want me to put a down payment to reduce the monthly balance from {$1300.00} to {$950.00}. They keep trying to be forcing me into a sedan which I didn't want because I told them that I only wanted SUV 's. I feel like I am being taken advantage of and being forced into deals that I do not want, and I need your assistance.
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA. 

PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XX/XX/year> ACCOUNT : XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
You have fraudulently accessed my personal information that I did not give consent for you to have. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete this request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ). 
In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  accounts below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX Experian received copies of police reports regarding accounts that were established without my knowledge due to identity theft in addition. On XX/XX/XXXX Experian received notarized affidavits, police reports, identity theft reports, and other documentation supporting my claim. Experian has violated the FCRA practice by no blocking fraudulent accounts within the 4 day time period allowed. Experian has also failed to provide any validation of the accounts that are in question.
Product: Mortgage

I am currently unemployed as of  XXXX   XXXX ,  XXXX , and am working very hard to find employment, in fact I have several job interviews lined up for next week. I am a single mother of  XXXX  children,  XXXX  with   XXXX   XXXX   and we live in the lower of my duplex so that I have help with the mortgage payments.     I have my first mortgage wit h TCF Bank as well as a line of credit and 2nd mortgage. I have been working with the loss mitigation team with TCF t o refinance my first mortgage since last  XXXX  as this mortgage had a balloon payment due in  XXXX   XXXX .     I contacted a mortgage broker who put me in touch with a mortgage company,  XXXX   XXXX   XXXX , specifically  XXXX   XXXX .  XXXX   XXXX  has had previous experience dealing with TCF. At this time the automatic payments on my mortgages ceased, please note that previous to this point I NEVER missed a payment on any of the  three  mortgages for the years I had them.  XXXX   XXXX  contacted everyone she could at TCF and found that no one would accept my payments on the mortgages to make them current so that I could qualify for a new mortgage with her company.. I have emails from  XXXX   XXXX  as well as  XXXX   XXXX  at TCF.  XXXX   XXXX  was no longer able to help me at this point because she could never TCF to take my payments to make me current.     As of  XXXX  I began again with working with  TCF Loss Mitigation a nd  XXXX   XXXX . I sent all the information again including proof of payment in full of unpaid property taxes. I didnt hear from them at all until I received a call at the end of  XXXX . They were going to work with me until I told them I had lost my job. Also, at this time is when I was informed that I had never reaffirmed the first mortgage after my bankruptcy in  XXXX . I contacted the law firm that did my bankruptcy,  XXXX   XXXX   XXXX , and they said they never received the reaffirmation paperwork from  TCF. The attorney said that he would contact their attorney but hasnt heard from TCF. Why had t hey been accepting my monthly payments if I had not reaffirmed the original loan.     At this time, the beginning of  XXXX , I contacted  XXXX . I turned in all the paperwork and sent the paperwork to TCF.  XXXX   XXXX  from  TCF  loss mitigation admitted to receiving all the paperwork  XXXX  and I sent to TCF. Now I have received a foreclosure summons dated  XXXX   XXXX ,  XXXX . This is dual tracking. I need to be able to either refinance through  TCF  or be able to find another mortgage company. I do not want to lose my house.
Product: Debt collection

I was diagnosed with XXXX while studying medicine out of state in Alaska. Since the insurance was through a Washington state coverage ( my home state ) I had to get prespptoval for treatment out of state. I thought bills had been paid by insurance and later learned the had failed to cover the initial XXXX XXXX performed in Alaska as well as a number of follow-up visits which were in Washington state, where the major treatment was performed. The insurance company also failed to cover needed supplies for my XXXX XXXX materials. 
All this has resulted in damaging my credit when I THOUGHT I was completely covered. XXXX, XXXX, XXXX, XXXX were covered for the most part but the few items they never paid adversely affecting my credit.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of an account listed on my credit report under XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. After reviewing my report, I identified the following issues with this account : XXXX. Inconsistent Account Reporting Across Bureaus : The account is listed under XXXX, but there is no reporting in TransUnion or XXXX. This inconsistency can misrepresent the consumers creditworthiness. 
XXXX. Improper Collection Account Reporting : The payment history under XXXX shows OK for all months, but the account is marked as Collection with a status of Late 120 Days and a balance of {$580.00}. This is contradictory and could indicate an error. 
XXXX. Failure to Update Dispute Status : The comments section states : Consumer disputes this account information, yet the account is still reported as Derogatory without clear resolution or updates. If the dispute was resolved, this status should be updated or removed. 
XXXX. Potential Obsolete Reporting : The Date of Last Payment is listed as XX/XX/2018, and the Date Last Active is also XX/XX/2018. Negative information such as collections must generally be removed after seven years from the date of the first delinquency, per FCRA guidelines ( 15 U.S.C. 1681c ).

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The contradiction between OK payment history and the account being in Collection with 120 Days Late status violates this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the account has been disputed and the information remains inaccurate, this indicates a failure to investigate and correct errors.

3. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the accounts delinquency began in 2018, it may now be obsolete. Such information must be removed after seven years.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX ) may be inaccurately reporting this collection account, particularly if it remains in dispute or contradicts the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending several dispute letters requesting an investigation on two accounts that are reporting inaccurately, filing a complaint with the Consumer Financial Protection Bureau seems to be the best options. I have been requesting an investigation from 2 accounts since XX/XX/2023. It is not XX/XX/2023 and I have not received any evidence or correspondence from Equifax. With the help of The Federal Trade Commission enforcing The Fair Credit Reporting Act ( FCRA ), which promotes the accuracy of information in the files of the nations credit reporting agencies, as a consumer, I have the power to challenge every questionable negative item on my credit report. According to the law, it ensures that bureaus report only 100 % accurate credit information. Each step must be taken to assure the information reported is completely accurate and correct. Unfortunately, this is not the case with the items Ive attempted to dispute. 

I find being ignored and my concerns being neglected and unaddressed to be truly unfair ; thus requiring me to file a complaint to expediate addressing this ongoing matter. I am in the process of purchasing a home and came across 2 accounts that are reporting inaccurately which violates a few of my consumer rights : XXXX XXXX : XXXX XXXX XXXX : XXXX During the time of these late payments, we were in the middle of a pandemic. Due to COVID-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureaus during the COVID forbearance program. I am a consumer who was tremendously affected by COVID. How were late payments being reported when according to the FCRA and my consumer rights, I was protected under the CARES Act? After doing research, I also noticed that consumer rights were also violated under 15 USC Code 1681s2 ( F ) Reporting information during COVID-19 pandemic. It states that during this period, all reporting should reflect as CURRENT. My rights have been violated which has caused me to take actions to protect myself at all costs. 

Pursuant of 15 USC 1681i Paragraph ( 5 ), any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( i ) promptly UPDATE to PAID, NEVER LATE. The most fair and desirable outcome would be to UPDATE to PAID, NEVER LATE as soon as possible. This information is inaccurate and misleading and as such represents a very serious error that is detrimental to my consumer report.
Product: Debt collection

Back on XX/XX/XXXX I told Capital Link Management that they are not to contact anyone other than myself about my debt. They called 2 of my family members and told them I owed money. I made it clear they are not to call anyone else ever again. Well they are now calling my family members again. This is harassment. I made it clear back in XXXX they needed to stop and they arent. And telling my family I owe money. Thats not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of idenity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance : {$13000.00}, and AFFIRM XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ran an unauthorized credit check on my credit report on XX/XX/XXXX XX/XX/XXXX. I sent a letter to Experian, XXXX  as well as XXXX XXXX XXXX  asking for removal of the unauthorized inquiry. Experian, and XXXX  said I needed to reach out to XXXX XXXX XXXX ( which I did in writing ) and the inquiries are still reporting. 

I did not apply for a line of credit from XXXX XXXX XXXX. I would like the inquires to be deleted NOW. It is against the law to run an unauthorized credit check without my permission.
Product: Debt collection

I had an account with Montgomery Wards while on active duty. I was never offered a lower interest rate. I paid this account in full and its showing up with a balance and in collections on my credit report. I requested a letter and they refuse to give me one of zero balance and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was needing some help with credit .com I seen it on tv and then I tried it and my pc said dangerous sight after I joined and asked them to cancel and destroy my personal info and they never responded I thank they are using my info they are not responding but this is what the spammer sent me We detected that your information was found in at least one data breach. 

XXXX, XXXXXXXX XXXX has scanned the internet and detected that your information was part of a data breach. Log in to your XXXX XXXX account for more information.
Product: Money transfer, virtual currency, or money service

On or before XXXX XXXX, 2019, I signed up for the XXXX   money transfer service. On XXXX XXXX, members of my family and I tested the service by sending each other {$1.00}. The service worked fine. We all received the moneys and were able to transfer them to our bank accounts. 

On XXXX XXXX, a family member sent me {$300.00} from her bank account via XXXX. My XXXX account showed the money in my XXXX account. On XXXX XXXX I tried to transfer the XXXX money to my bank account buXXXX XXXX cancelled that transaction. 

On XXXX XXXX, XXXX emailed me saying the account had been suspended " due to recent activity that appears to be a violation of our User Agreement '' and asked for a copy of a US government issued photo ID. On XXXX XXXX, I sent XXXX a scan of my state driver 's license. 

On XXXX XXXX, I received an email ( XXXX # XXXX ) from a XXXX  account specialist XXXX XXXX telling me that " the payments you received originated from unauthorized funding sources or otherwise posed risk to our system '' and " any additional inquiries will not be answered and this case is considered closed '', but nothing more that would tell me what the problem was. XXXX XXXX also said " Please note that the funds held in your balance have been flagged for investigation and will be held for up to 180 days for loss prevention purposes ... we are unable to assist you further. '' On XXXX XXXX I sent an email to XXXX XXXX asking for details. On XXXX. XXXX, XXXX XXXX said, " XXXX has determined that the payments you received originated from unauthorized funding sources or otherwise posed risk to our system ... any additional inquiries will not be answered and this case is considered closed. '' I called up customer support at XXXX, and was told that the account specialist team that XXXX XXXX is part of could not be contacted by the support people and that support could do nothing. I asked for a supervisor. I spoke to XXXX XXXX who said she would try to contact the account specialists. She sent me an email saying she had " reached out to the account specialists ''. I have heard nothing since. 

I am in the position of having my {$300.00} being frozen by XXXX for six months with no information why and no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are not in compliance with continuing to report fraudulent, incomplete, and inaccurate information to my credit report. I have sent them multiple dispute letters and they have failed to perform a proper investigation as per FCRA guidelines! 
The below information needs to be removed from my credit report immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a balance transfer from my XXXX XXXX card to a TD Bank credit card for an amount in excess of {$4000.00}. This was done and approved on XXXX XXXX, 2015. The teller assured me it would take XXXX days for the money to be transferred. After that time passed, I contacted TD and they said I was misinformed- that it would take between XXXX weeks for the balance to transfer from XXXX to the TD credit card. After XXXX weeks passed, I contacted TD again, because XXXX told me I was going to be reported, which will affect my credit. At that point, I paid the minimum due, to XXXX, to avoid my credit being affected. After talking to many people on the phone, at TD, I was finally told that there was an error, on their part, and that they had to re submit the application. I asked if there was any way to speed up the process because of my current situation with XXXX and their mistake. They told me there was nothing for them to do and I would have to wait. I waited, and XXXX reported me to the credit bureau. Finally, the manager at the TD Bank branch, where I applied for the transfer, said she talked to the credit department at TD and the transfer would be expedited. It is now XXXX XXXX, 2015, and XXXX XXXX still does not have the money I owe them. I have called TD bank several times, with no answers to my questions and the only advice, to wait. My credit is dropping as we speak. XXXX actually said that TD bank should have deposited the money into my account, but when I approached them with this idea, they said they did n't have the authority to do that. I am now considering paying off XXXX from another bank account, which I did not want to touch, to avoid getting reported to the credit bureau again, which XXXX said would happen in a week. But I know TD will not be able to cancel the transfer and then XXXX would have to credit me money, once the transfer goes through. I do not know what to do at this point.