23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 I sent a letter request company to provide information for the attempted collection on my credit reports, in regards to the letter they sent me saying I owe LVNV Funding Solutions LLC & RESURGENT CAPITAL SERVICES, 2 collection Companies displayed on all 3 of my credit reports for the SAME accounts. The entities ignored my request and placed collections on my credit reports without validation. 
These entities did not provide information as required. I.e by disputing this debt and exercising my rights under UCC 1-308.

Under UCC 1-308, I reserve my right to not be compelled to perform under any contract or agreement that I did not knowingly, voluntarily, and intentionally enter into. I also reserve my right to assert any and all affirmative defenses and counterclaims that may be available to me under applicable law. 
Company placed different information on all credit bureaus.
Product: Debt collection

We are a business. The company calls multiple times a day requesting to speak with someone that does not have an extension at our company. We have asked them to stop calling and they refuse.
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : I1 also states e consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681C. ( ) ( 5 ) Section States : no consumer reporting agency may make e consumer report containing any of the following items of information Any other adv Item of information, other than records of convictions of crimes which antedates the report by more than seven years. Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting on My Credit Report To Whom It May Concern, I am writing to dispute the reporting of XXXX accounts by XXXX Bank on my credit report. These accounts are inaccurately marked as both collection and charge-off. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, it is required that all information provided to consumer reporting agencies is accurate, complete, and consistent across all bureaus. 

However, XXXX Bank is reporting these accounts inconsistently to XXXX, Equifax, and XXXX. Each credit bureau shows different information regarding these accounts, which is both misleading and potentially damaging to my credit standing. This discrepancy is a clear violation of the FCRA, as it fails to meet the standards of accuracy and completeness mandated by law. 

I respectfully request that XXXX, Equifax and XXXX a thorough investigation, verify the information provided to each bureau, and ensure that any inaccuracies are corrected or removed. Please confirm in writing that these corrections have been made within 30 days, as per the FCRA guidelines. 

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship credit acceptance performed a hard credit inquiry without my authorization on XX/XX/2021. I tried calling the phone number provided by the alert I received number was invalid. I filed a dispute for the hard inquiry thru XXXX also put a freeze on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing Bankruptcy XXXX on my Equifax credit report. On XX/XX/XXXX Equifax has stated that they were able to verify that the Bankruptcy is being reported correctly via XXXX. I have multiple letters from XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that XXXX could not verify Bankruptcy XXXX and that they are no longer reporting Bankruptcy XXXX. How can Equifax verify the Bankruptcy using XXXX as their source when XXXX has no record of the Bankruptcy. I have attached documents from XX/XX/XXXX and XX/XX/XXXX that prove XXXX DID NOT verify Bankruptcy XXXX with Equifax and has even attempted to contact Equifax to have the Bankruptcy removed from my credit report. 

By continuing to report Bankruptcy XXXX on my credit report Equifax is violating the Fair Credit Reporting Act and can be fined up to {XXXX} per occurrence.
Product: Mortgage

I am trying to get a modification on my home. I was first working with XXXX XXXX XXXX. XXXX XXXX XXXX had all the documents needed to start the underwriting process. My loan was then transferred to Rushmore Loan Management XXXX XXXX, 2015. When first contacting Rushmore in XXXX I was told they had none of my information from XXXX but was told it can take some time to get the documentation. When I called I was told that they were only given parts of the documents and the best thing to do was resend ALL information which I did. My case manager with Rushmore Loan Management has given me false information many times regarding my loan. Also when I spoke to her she said she needed more information faxed. I asked her to review the documents she did have and come to find out they already had the documents. I was then told that I needed {$20000.00} for a down payment if I wanted to save my home. If I had the {$20000.00} I would n't be having to try and get a modification in the first place. Also I asked her if she could please leave a voicemail if I do n't answer and leave me the information that they need. This has only happened once and she did n't leave a message with documentation needed she just left me her name and number. I am extremely frustrated and feel as if I am being mistreated by this company. I did not receive notice from Rushmore Loan Management that my house was being foreclosed on. I was notified by they trustee note taped to my door that my house is going into auction on XXXX/XXXX/15
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report that seem to have been added without my consent. Please block and remove these fraudulent entries.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions were infeasible. The CFPB indicated that Zelle has shared consumer data.
Product: Credit card or prepaid card

Barclays ( jetblue ) credit card deposited a {$3600.00} check that was sent from XXXX XXXX XXXX XXXX on behalf from a personal loan I applied for in order to consolidate credit card debt. Barclays has not applied the funds to my account yet they freely deposited it into their own account. Barclays said it will take up to 3 billing cycles to resolve the issue which will equate to late fees, credit delinquency, and accrued interest. 
My first goal is for them to apply my money to my account. I am now paying interest on the loan from Seasons and the credit card. The second is to hold them accountable for the fraud they have willingly engaged in, deposited funds without accounting for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to dispute the following items, but I have not received a response. I kindly request your assistance in resolving these issues and ensuring compliance with federal law. 

These accounts do not belong to me. Please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear DEPT OF TREASURY, Transunion & XXXX : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND TRANSUNION including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MYLEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit card or prepaid card

Hello, I reserved an apartment for XXXX nights from XXXX XXXX ( Confirmation code XXXX ) on XXXX. The listing said that the house has air conditioning. When we got there, we only saw that only the attic room had AC, but there was no AC in the kitchen, living room, sleeping area, and bathroom. We were XXXX people. XXXX people slept in the attic and my wife and I slept in the other sleeping area with no AC. It was warm and we were sweating all night. It really ruined our stay. I contacted XXXX support for this but they were not really helpful. I disputed the claim through my credit card company ( Capital one ) but XXXX provided the same response as they provided to me and rejected the dispute. I would appreciate it if you could investigate the issue further. 

Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Launch Servicing , LLC is slandering my credit reports, claiming that I owe several thousands of dollars on a student loan THAT I NEVER TOOK OUT. I had APPLIED for a student loan with this company nearly 3 years ago for a XXXX XXXX XXXX XXXX course that I WAS going to take and I was approved for said loan ; however, there were MANY red flags about the online school that I was planning to enroll in, the most concerning of which was that I discovered they did NOT have the proper XXXX accreditation that was needed. Had I not completed a course that was XXXX accredited, I would not have been able to obtain employment as a XXXX XXXX. Therefore, I immediately CANCELED my enrollment in this course and NEVER TOOK IT. However, for the past 2 years, Launch Servicing , LLC has been falsely reporting to the credit bureaus every single month that I have not paid them and they continue to tack on illegal fees to inflate the balance. 

Launch Servicing is in direct violation of the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. They have been made fully aware that I DO NOT owe this debt, yet every month, this company is repeatedly communicating incorrect and defamatory information to third parties, including, but not limited to XXXX, XXXX, and XXXX. This false reporting has reduced my once excellent XXXX score of XXXX to XXXX and it continues to drop as a result of these incorrect missed payments being reported monthly. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages in that I am unable to obtain new credit and I was even turned down for a job that required a credit check as a direct result of this incorrect reporting. There are MANY complaints against Launch Servicing , LLC relating to credit reporting/collections and even a lawsuit that was filed against Launch Servicing this year in XXXX, XXXX XXXX Launch Servicing , LLC et al ( https : XXXX ). 

I am now demanding the immediate and complete removal of this account from my credit reports. If your company XXXX Launch Servicing , LLC ) fails to comply, you will be required to appear in a court of law and I will be allowed to seek monetary damages from your company.
Product: Debt collection

Your company COMENITY BANK/ VICTORIA never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures from the original creditor with the cost you paid for this alleged debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$28000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request that the Consumer Financial Protection Bureau ( CFPB ) take action to have an unauthorized hard inquiry removed from my credit report. On XXXX XXXX & XX/XX/year>, I was the victim of duplicate hard inquires from PNC Bank . This inquiry was pulled not once, but twice, without my consent or knowledge. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, it is unlawful to obtain a consumer 's credit report without a permissible purpose. Furthermore, Regulation V of the FCRA, 12 C.F.R. 1022.40 ( a ) ( 1 ), states that a consumer reporting agency ( CRA ) may not include any information in the file of a consumer if the CRA knows or has reasonable cause to believe that the information is incomplete or inaccurate.
Product: Credit card

On XX/XX/year> I logged into my online banking and saw my credit card account with Wells Fargo was closed. I called and spoke with them that same day to find out why.

The agent could not give me a reason why so I asked to speak with leadership. I spoke with someone else who said it was a business decision and they do not need to notify me of an account closure.
Product: Student loan

I went to a school in XXXX XXXX  and College name was XXXX XXXX. This School lied to me. The have me a 15 day grace period to decide if I wants to go this school. And by doing thats they made everything look and sound good. But had I known that the instructors and the head supervisor werent properly certified according to the state of XXXX  I would have never went to this school. No did I graduate from this coarse which was 9 months long yes I did. But that was because I had no choice after I had signed the papers. The school lied about the credentials the teachers who taught the coarse etc, I wan to be removed from paying this loan back because this school was know for being untruthful in the past. And shouldnt have been operating in the first place. And how I had found out about the non state certified teachers was because the school started to mess with there pay so they started telling the truth about the school. 2 of the instructors worked for XXXX XXXX and the head guy who name was XXXX was just in the field for a long time and he wasnt even certified by the state of XXXX. XXXX and a half later the school was still taking on people for the XXXXXXXX XXXX XXXX coarse and the shut the school down without notice. There is no way to get info for this school to accommodate my truths. But this loan speaks for itself. I should have to pay this loan back when I was lied to and manipulated by the staff and the school itself. Please help me or point me in the right direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts : 1. ) XXXX XXXX : ACCOUNT XXXX XXXX. ) XXXX XXXX XXXX : ACCOUNT # XXXX Credit Inquiries : XXXX XXXX  XX/XX/2021 TRANSUNION XXXXXXXXXXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 TRANSUNION XXXX XXXX XX/XX/2021 TRANSUNION, has violated my rights. 
Under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Under 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. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX mentioned I have been pre approved for a personal loan. When Ive contacted the loan office, they mentioned later that I was not approved via the offered that was mentioned thru XXXX XXXX which has ultimately decreased my credit score dramatically.
Product: Mortgage

In XX/XX/2018 me and my wife realized our dream of owning a house. We utilized our VA loan both being Veterans. Loandepot.com was what our realestate agent used to procure our loan. However if I would have known I was going to be subsequently harassed with refinance offers from business such as XXXX XXXX XXXX stating that I have some hidden benefit that I am not using. This is a total lie they are trying to get us to refinance which is going upside down on a mortgage payment. I have contacted them numerous times to stop sending me these ads. I feel bad because they are likely to get someone less educated tricking them into financial destitution. This is not right. They should not be allowed to prey on homeowners.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I called Transunion because i noticed unauthorized Hard inquires on my credit report ( XXXX and XXXX  XXXX XXXX XXXX, i was transferred to a Supervisor by the name of XXXX. 

I told XXXX i noticed there were 2 hard inquires i did not recognize on my credit report and i would like to dispute those unauthorized hard inquires and removed under the FCRA XXXX told me that hard inquires cant be disputed with Transunion and it was TransUnions policy not to dispute Hard inquires. 

After many attempts during the phone call asking XXXX to dispute those hard inquires he refused and told me to contact both creditors.
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. 

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. 

XXXX XXXX - Inquiry date XXXX XXXX XXXXl - Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX  - Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX