23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

collection on my credit report with diversified consultants inc collections from florida. they obtained the account from XXXX XXXX in XX/XX/2017, and have been calling me all hours throughout day and night. or robo calls. 
also i asked for debt validation and everytime i only received a copy of billing statements which clearly are not mine. i told the collection company multiple times to delete and remove this account from my credit report which they have failed to do.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XXXX 2024, XXXX 2024, XXXX 2024, This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX 2024 late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a correspondence for XXXX indication that Equifax reported to them that my credit score had dropped to XXXX, when in fact my credit score was XXXX the same week. XXXX responded by instructing me to destroy my credit card in which I have good credit with XXXX for years. 

Equifax, also reported that I had 12 inquiries in the last 12 months. I gave no one permission but " XXXX XXXX '', XXXX XXXX XXXX XXXX in 2017 and no other. 

As Equifax has had a breech I believe in good faith that this is the result of this error in my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX I am writing to formally file a complaint against Lexis Nexis Risk Solutions regarding inaccurate and harmful information reported on my credit file. Specifically, the following issues have arisen : XXXX. Incorrect Late Payments : My credit report reflects late payment history inaccurately, which I dispute as being incorrect or unverifiable. 
XXXX. A XXXX XXXX XXXX  is being reported on my credit file ; however, this information is outdated, inaccurate, or unverifiable. 

Additionally, I am a confirmed vicitim of the XXXX XXXX data breach which exposed my personal information and has caused financial harm, including these erroneous entries. XXXX XXXX as a data furnisher, has failed to ensure that my information is accurate, in compliance with the Fair Credit Reporting Act under 15 U.S.C. 1681.

Violations by Lexis Nexis : 1. Failure to Report Accurate Information : Under 15 USC 1681e ( b ) credit reporting agencies and data furnishers must follow reasonable procedures to ensure maximum possible accuracy of consumer reports. Lexis Nexis has not met this requirement. 
XXXX. Inadequate Investigation of Disputes : Under 15 USC 1681i, Lexis Nexis is obligated to investigate disputes promptly and thoroughly. Despite prior attempts to dispute these inaccuracies, indicating a failure to comply with FCRA obligations. 
XXXX. Reporting Obsolete XXXX  Information : The reporting of the XXXX XXXX XXXX appears to violate 15USC 1681c ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 uSC 1681 ( q ), 15 USC 1681 c-2, 18 USC 1028A . 

As a victim of the XXXX Data Breach, I suspect inaccuracies on my credit file may stem from identity theft or compromised personal data. This breach has exacerbated my financial harm, as the false information negatively affects my creditworthiness.
Product: Bank account or service

someone hacked into my Capital One 360 account and took {$30000.00} over a 6 week period ; no one from Capital One notified me and it took me many hours on hold and many phone calls for them to deal with this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : NOT MY NAMES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NOT MY ADDRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX FL XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX / XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX Balance : {$81.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$970.00} XXXX XXXX XXXX Balance : {$81.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. XXXX  is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These account report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

to whom it may concern I requested my signed signature showing I purchased the vehicle and I asked for verification and validation of the debt, also a certified receipt from certified mail saying there was a debt owed. I never received anything and it is in direct violation of the fcra rules and regulations XXXX XXXX. therefore it should be removed immediately from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I am doing my own disputes. When I contacted them, I told them I hsd sent in disputes for all companies. Nobody heard me, I think I was talking to a robot. They filed disputes again which mines were delayed but one went through that I. I. I. had disputed. I told them about the bankruptcy. Tols them I wasnt interested in XXXX. Still charged. Its been over 45 days and I have heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I notice fraudulent accounts. Please remove these fraudulent accounts, they are hurting my ability to obtain credit
Product: Credit card or prepaid card

I had disputed some transactions on my SSI direct deposit company, XXXX, when I ask for a refund, they say it was my fault. I live on a fixed income, and would not waste my money for un-necessary transactions ONLINE. help
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to reach out to CONSUMER PORTFOLIO SERVICES to let them know that I had a cease and desist order regarding my credit being ran.YOUR NAME XXXX XXXX XXXX ON XX/XX/2020 I WENT TO XXXX XXXX DELIVERED A CEASE AND DESIST LETTER TELLING THEM NOT TO RUN MY CREDIT AS A RESULT MY CREDIT WAS RAN MULTIPLE TIMES.I TRY TO ADDRESS THE CONCERN WITH CREDITORS LETTING THEM KNOW THE AUTO DEALERSHIP VIOLATED THE CEASE AND DESIST ORDER.I CURRENTLY HAVE A PENDING COURT CASE XX/XX/2020 RESULTING THE VIOLATION OF THE CEASE AND DESIST ORDER.I TRY TO CONTACT CONSUMER PORTFOLIO SERVICES LETTING THEM KNOW I WANT TO ALL DISPUTE AFTER XX/XX/2020 BECAUSE IT WAS IN VIOLATION OF THE DESIST.
Product: Checking or savings account

Capital One Bank has not released my direct deposit from my employer. The deposit should be available biweekly on Thursdays. Today is Saturday and I have not received it. Capital One has not issued any additional correspondence regarding this situation to its customers beyond a vague email on Thursday night. The email confirmed that the issues began on Wednesday. Consumers were not notified until Thursday. This has impacted thousands of families.
Product: Debt collection

Im an XXXX  military member currently, have been working hard for years and consider myself a very responsible and successful young man. Ive been building my credit, paying taxes and our bills, taking care of my mom and siblings, and trying to fulfill our long family dream of owning a house. Sad to say, my dreams were shattered after I recently applied for a mortgage loan and found out that my credit score is crushed and owe an almost {$12000.00} bill to a rental unit that know nothing about. Saddest story is finding out that my Dad and uncle were the ones that did this to me, they had all my information including the SS number. Havent had any connection with both for a very long time, even doubt they are in the country still, but my family and I are though and have to live being stuck with this unfair and outrageous bill. Bottom line of my story, I am a big fraud victim that needs advice, fair treatment, and help with this matter. Your help is greatly appreciated and thanks in advance.
Product: Mortgage

I am pre-approved with my lender. When inquiring about a new home builds ... the agent stated that i should try to use one of the " Preferred Lenders ''. For more closing cost being covered by the builder. Which struck me as a little strange so i starting asking questions. The policy of XXXX XXXX - XXXX XXXX Texas is as follows ... ..when ever an agent gets a lead from a builder open house or their XXXX lead department they are required to have them use a preferred lender or they agents are penalized in their commissions. Unless they get a letter of denial from that " Preferred Lender ''. I was also told that the " Preferred Lenders '' pay a DESK FEE ( about {$7000.00} per person ) ; yet i only saw one with a desk. That each lender gets a specific rotating week where all leads are given to that lender during their specific week. I found this a bit conflict of interest ( at least in my eyes ) and it seemed a bit of being forced to use a lender i never heard about before. Not sure if this is against any banking laws ... but thought i should report it any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them XXXX copies which I did but they never received them of course, nor did Equifax. It is an Applied Bank XXXX from XXXX of XXXX, I have called Applied bank XXXX times and they can not even find It in their system, but all XXXX bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took XXXX minutes XXXX verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! 
XXXX has XXXX XXXX XXXX for {$2400.00}, the other XXXX have got that right. 
Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXXXXXX Finance, XXXX times Experian response XXXX disputing Applied Bank : Our reinvestigation of the dispute ( XXXX ) and/or another request ( XXXX ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 
There are only XXXX inquiries on Experian Finger XXXX on XX/XX/XXXX and XXXX Main Financial on XX/XX/XXXX so Please tell Equifax and XXXX to take all those XXXX other inquiries off of my XXXX report since they will not help me!!
Product: Mortgage

FREEDOM MORTGAGE IS THE NEW SERVICE PROVIDER AFTER ACQUIRING MY 25+ YEAR XXXX XXXX HOME MORTGAGE. 
THERE'S SEVERAL PROBLEMS. XXXX XXXX ( OWNER OF FREEDOM MORTGAGE ) TRIED TO COMMIT FRAUD ON MY PROPERTY BY IMPOSING A 2ND MORTGAGE OVER 10+ YEARS AGO. AND GOT CAUGHT. THE FEDERAL JUDGE ORDERED " NO CONTACT ''. 
WELL, I DO NOT PLAN ON BEING SENT TO FEDERAL PRISON FOR A MINIMUM OF 20 YEARS FOR WHAT FREEDOM MORTGAGE DID, ACQUIRED MY LOAN. 

I AM FULLY AWARE THAT MORTGAGE TRANSFERS ARE COMMON PLACE, WITHOUT ANY OBLIGATIONS FOR A CLIENT/CUSTOMER TO STOP SOMETHING BEFORE IT STARTED. 

BOTTOM LINE : FREEDOM MORTGAGE IS GIVING ME A DIFFICULT TIME FOR ME TO GET MY ACCOUNT SET UP. I FINALLY GOT MY LOAN NUMBER... HOWEVER, THEY HAVE BLOCKED ME ACCESS FROM ONLINE! I CALLED BACK, AND THEY TOLD ME BASICALLY " OH WELL '' AND LAUGHING ABOUT IT. 

THIS IS NOT FUNNY, THIS IS TOTALLY UNPROFESSIONAL. IT IS CONSIDERED RUDE AND ILLEGAL TO BLOCK ACCESS FROM THE CLIENT! 

THEN TO SUM IT UP, THEY ARE SENDING EMAILS TO A NO LONGER IN USE EMAIL ACCOUNT AND " CLAIMS '' THAT XXXX XXXX GAVE IT TO THEM. XXXX XXXX DID A RESEARCH AND FOUND THE EMAIL THAT I AM USING PRESENTLY IS REGISTERED AND ASSOCIATED WITH THE MORTGAGE. THEY ARE A BIT PUZZLED, UNLESS SOMEONE REVERTED TO WAY BACK, YEARS AGO, AND DECIDED TO USE A DEFUNCT EMAIL ACCOUNT AND BEGUN TO SPAM ME TO DEATH? REALLY?
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Home Loans Services has ERRONEOUSLY reported late payments for the months of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I have contacted BOA and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by Bank of America.
Product: Checking or savings account

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} XXXXXXXX XXXX XXXX XXXX {$560.00} XXXX XXXX {$1000.00} Total {$14000.00} I am writing to dispute unauthorized charges made on my account through a third-party application called XXXX. After entering my account details in the app, funds were sent without my knowledge or approval to accounts I do not recognize. These transactions were not initiated or authorized by me. 

I have taken steps to resolve this issue, including filing complaints with XXXX and Wells Fargo. Unfortunately, my initial fraud claim with Wells Fargo was denied, leaving me with no resolution and significant financial loss. I firmly believe these charges are fraudulent and request your assistance in reopening my claim for further investigation. 

I am happy to provide any additional documentation or information necessary to support my case. Please reconsider this matter, as I have been a victim of unauthorized activity and rely on Wells Fargo to protect my account.
Product: Credit reporting or other personal consumer reports

Their system wasn't made available during the last day of the billing cycle 2023, and I was unable to login to make a payment. I paid the bill the very next available day, but they still reported me over 30 days past due, even though I tried to pay the bill on the last day of the billing cycle. I called and spoke to someone about this issue. I also had automated payment issues with the company in XXXX of this year in a similar situation the last day of the billing cycle. My bill is current. I have worked really hard on my credit over the last few years, and these reported account statuses popped up due to their ( Shellpoint Mortgage Servicing 's ) negligence in their process. If I were given the opportunity to make a payment the last day of the year 2023, I wouldn't have a 30+days late reporting on my credit report. If their system wasn't only capable of using one bank account on the voice service, I could've selected my other bank account to make a payment ( being that the online portal was down and it was outside of normal business hours ). Please just update my reporting to reflect no late payments, and I can stop worrying about this on my report and move on.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX FIRST FED CREDIT & COL XXXX Your company have violated FCRA 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 person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 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 section 1681c-2 of this 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 FIRST FED CREDIT & COL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Stop collection proceedings againsXXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXXADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work with both the credit beurres and collector to have this fraudulent account removed from my credit report. There is information on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. I tried reaching out to the collector various times via email and mailed letter asking for validation debt letter and they failed to provide me with it. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX Act # XXXX
Product: Debt collection

this company produced a fake check and ran it through my banking account for {$910.00} on XX/XX/21. Ive never been contacted by this company much less taken to court. I reached out to them when i was fixing my credit we could not come to an agreement so i left it alone. My bank seen that it was fradulent and returned the money back. Now they are reporting negative remarks every month they are bullying me. When they did the fake check thing i called and said that was illegal the lady was very shady and wouldnt give her name only her intials please help this cant be acceptable
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent and are reporting on my credit file. 

XXXX ) XXXX Account XXXX XXXXXXXX. Amount=XXXX. 

XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX Amount XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Amount XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  Amount {$480.00} XXXX ) XXXXXXXX XXXX XXXX Amount {$1200.00}
Product: Debt collection

I have paid in full in XX/XX/2019 the account in Collection with LVNV Funding regarding XXXX XXXX XXXX  Credit Card. The account is still listed in collection. As you know, an account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). 

Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. 

Based on the information provided above, this debt is no longer in collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.