23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Disputed account with portfolio recovery associates on XX/XX/XXXX and XX/XX/XXXX through the credit bureaus because I didn't recognize the account and both times it came back verified. After pulling all 3 reports I noticed the account was being reported different with all 3 bureaus. I called portfolio recovery on XX/XX/XXXX to find out why was the account was reporting closed and late with XXXX, open and unknown with XXXX   and a totally different account number for XXXX. I was told the account is not closed and the account number with XXXX was inaccurate. I asked them to send information stating when the account was open and closed, when was the last payment made and for how much. I was told they had limited info that they will send and I needed to contact XXXX XXXX for more information. It is unfair and a violation for them to keep reporting and verifying inaccurate information and they won't stop.
Product: Mortgage

I applied for a home loan with NACA located in XXXX Ma. I was approved for a mortgage for 90 days and wanted put an offer on a house. My mortgage rep left XXXX XXXX, and I could not get another appointment until after my 90 was up on XXXX/XXXX/XXXX. I was called right before XXXX/XXXX/XXXX and told my new consultant left and my appointment was moved to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, the secretary tried to bump me from my XXXX/XXXX/XXXX appointment for another customer. I told the secretary I would be there XXXX/XXXX/XXXX @ XXXX. I went the appointment XXXX and met the office manager XXXX XXXX in the XXXX office. I was told my file was reopened. I submitted all of the paperwork for the loan on XXXX/XXXX/XXXX, my credit was rerun and my membership due paid again. I was told the process would be easy because I had been approved prior. I was also told I would heard back in 7-10 business day with the amount I was approved for. I have not hear back as of today XXXX/XXXX/XXXX. I called the XXXX office, the XXXX office, and customer service with no follow up by mail, email, or by phone on the company 's as to the status of my loan approved amount until last week. I was told my file was never reopened even after the 2 hour appointment with the office manager. I have all of the submitted paperwork. I keep emailing and no one is assisting me. This process not only caused me to loose the house I really wanted, but more importantly, the interest increased one full percentage point, that will cost me hundreds of dollars over a 30 year mortgage loan. I need your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports, there are multiple names, phone numbers, and house addresses that do not belong to me. I have tried to get the items removed to better my credit, but I was unable to. I called XXXX, Equifax and XXXX. Neither one of those companies obliged.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 12 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries showing on my XX/XX/XXXX credit report. I have contact XX/XX/XXXX directly and informed them w/ also providing evidence and the inquiries have not been removed. 

XX/XX/XXXX date of inquiry XX/XX/XXXX XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX SYNCB/PayPal date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XX/XX/XXXX date of inquiry XX/XX/XXXX XX/XX/XXXX date of inquiry XX/XX/XXXX
Product: Checking or savings account

On XXXX my credit karma spend account was locked after making a purchase online and I had subsequently attempted to make 3 more purchases that were denied. Instead of credit karma sending me a notification asking if it was actually me attempting the charges like they have done in the past they just locked my account and made no attempt to contact me. I had to reach out to them and they requested that I upload documents identifying myself which I had done multiple times with multiple documents identifying myself to them. I was initially told the account would be unlocked within 24 hours and after that 24 hrs I was told it would take an additional 24 hours and after that I was told 3-5 days. They wouldnt tell me why my account was locked. And they wouldnt agree to a partial release of funds. When I spoke to a supervisor named XXXX she insisted that there was no one I could speak to above her and she wouldnt give me any more information about her other than her name was just XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the XXXX XXXX XXXX XXXX Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing XXXX XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Unauthorized credit inquiry XXXX XXXX XXXX XXXX Unauthorized credit inquiry XXXX XXXX XXXX XXXXXXXX Unauthorized credit inquiry XXXX XXXX XXXX XXXXXXXX Unauthorized credit inquiry XXXX XXXX Unauthorized credit inquiry XXXX XXXX XXXX Unauthorized credit inquiry XXXX XXXX XXXX  XXXX Unauthorized credit inquiry XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. The accounts have been reported due to identity theft issue I'm experiencing which I've mailed numerous letters and phone calls. I am requesting immediate removal of the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. They have also violated Fcra 605b.
Product: Credit card or prepaid card

On XX/XX/19 a credit card that i had for a year was closed without notice. I had auto payments and was locked out of the account and could not see any information. Was told I would recieve a letter. Today I received 3 letters from the bank 1 was a statement witha late fee the second was the notice that the account was late and the 3rd was a notice dated for XX/XX/XXXX saying that the account has been closed. I don't feel I should be incurring late fees on an account I have no ability to pay online and was set up for auto payments which they canceled when the closed the account. I feel they did this on purpose with the intent to try to damage my credit.
Product: Debt collection

XX/XX/XXXX Reference XXXX I received a letter dated XX/XX/XXXX from Unifin XXXX Inc. / XXXX XXXX XXXX / XXXX, IL XXXX - XXXX " ... trying to collect a debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' THIS IS NOT MY DEBT THIS ALLEGED DEBT IS XXXX XXXX XXXX Information states " as of XX/XX/XXXX the amount owed is $ XXXX. '' California 's Statute of Limitations for debt is XXXX years - state 's XXXX of XXXX XXXX XXXX. XXXX ; this alleged debt is nearly XXXX XXXX XXXX. 

This alleged debt is not mine ; this alleged debt is " time-barred. '' The Use-By-Date has expired! 

Stop all contact, regardless of the communication ( s ) channel ( s ).
Product: Debt collection

I mailed a certified letter on XX/XX/XXXX to Avante XXXX asking for debt validation and the company mailed me a letter back on XX/XX/XXXX stating that they were unable to locate the account. Even though the debt is on my credit report If the company cant provide me with accurate information I requested or cant locate a account with the information I provided the debt should be deleted from all reporting credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX / XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # 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 or other personal consumer reports

XXXX with a balance of XXXX charge off XX/XX/2024 sold to a collection agency called : XXXX XXXX. XXXX XXXX sends me numerous emails on this account which is proof that it was sold. XXXX is not reporting this account sold it just says closed. I have the communication from XXXX XXXX attached and also a copy of my credit report showing that they are not correctly reporting this ghost collection agency. 

XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15USC1692c-If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to suchdebt,. Not only have they not reported that they sold the debt to XXXX, they are constant communication with me.
Product: Debt collection

They open a debt collection against me and my my credit and i have medical insurance
Product: Debt collection

Original debt was with XXXX. It was charged off my credit and purchased by XXXX XXXX. I then received demand letters from Mitchell , Rubenstein & Associates demanding payment.. I disputed again and never received anything from them either. A judgement was placed against me due to a summons being served at a home I had n't rented in over 2 years! I wrote Mitchell, Rubenstein & Associates on XXXX XXXX and asked them to reverse the Judgement and now just over 1 month later my bank account has been frozen without ANY correspondence from them. They have very POOR and unfair practices, especially over a {$700.00} debt that supposedly occurred in 2012.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Left messages on a shared mailbox ( with a default greeting, not indicating the mailbox ) stating they needed to touch base with me regarding my breach of contract with Net Credit, which is n't even a valid contract to begin with. As a result, this message was heard by my children and my babysitter. 

Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap. 
Licensed Virginia consumer finance companies may charge more than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia. 
Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan.
Product: Debt collection

I am requesting Hunter Warfield to send debt validation for a collection account they presented to me. I would like full accounting and details for this debt they are collecting on. I am disputing the validity of this debt.
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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX 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 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: Debt collection

On XX/XX/2011 my timeshare membership was included in the Bankruptcy Courts. The membership was with XXXX as shown below. I have been receiving collection notices from Concord that will be affecting my credit scores that I have been trying to improve since 2011. XXXX, even thou I have sent them the paperwork from the courts showing that the membership was included in the bankruptcy, say that the membership was not discharged with the bankruptcy and that I owe the fees and the late fees as well. and that my membership is still valid. 
Thank you in advance for your help with this problem. 
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

I am a victim of identity theft, and have started the process of disputing by requesting my free credit reports. I have received my XXXX and XXXX report, but have been denied access to my Equifax report online and by phone. Maybe coincidental, but the person who has done the fraud is also located in Georgia where Equifax is located. Other members in my family have also been affected by this identity thief. I just need my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion deleted my Bankruptcy on XX/XX/XXXX, but then re-added it to my report. It was deleted and should remain deleted. Also they are reporting XXXX XXXX XXXX which should be deleted in XX/XX/XXXX. 
XXXX payments were not late My balances are incorrect for the following accounts : XXXX XXXX XXXX
Product: Credit card or prepaid card

After a thorough overview of the banking statements I have been charged for monthly maintenance fees, and I have direct deposits over XXXX. 

It was advertised when I started using the product that monthly fees were XXXX if the account had direct deposits totalling more than XXXX. 

On XXXX serve debited XXXX from the account to cover the monthly fee of XXXX with no negative balance. I received an email stating they took the XXXX " instead ''. 

It raised suspicion on fees assessed over my period of time banking with the company and in doing so I have been charged XXXX worth of fees, less other services I've used which charge fees. 

https : //www.serve.com/help/ ( fees chart )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate bankruptcy entry listed on my credit report associated with case number [ XXXX ]. This bankruptcy entry is incorrect and must be deleted immediately. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy in consumer reports. Despite this obligation, the inaccurate bankruptcy remains on my report. Your failure to correct this misinformation violates the FCRA and has caused significant harm to my credit profile. The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXXXXXX XXXX XXXX ) highlights the credit bureau 's duty to remove inaccurate information once a dispute is raised and verified to be inaccurate. I demand the immediate removal of this incorrect bankruptcy entry. I have sent several disputes to the credit bureaus, and they are failing to investigate anything as usual. 

XXXX XXXXXXXX BANKRUPTCY XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. Please provide detailed documentation showing the steps taken to verify the accuracy of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS, these accounts are not mine. Aso, This is not my home address. I never lived here nor received emails here. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2000 XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NM XXXX
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 that tracking these transactions was unfeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I acquired this loan through my XXXX XXXX to pay for their services because insurance refuses to cover it. The Company is called CARECREDIT/SYNCHRONY BANK.  I was set up with a {$70.00} payment once a month due on the XXXX. I have paid consistently but they keep adding late charges. I called to ask why since my due date is the XXXX and I always pay before then.. I was told several times that they didn't know why but would reverse the charge. Today I spoke to them and they said my due date was changed to the XXXX of every month and I am being charged late fees because of their original late fees. I plan to get a different loan and pay it off. I wanted to make sure they don't do this to anyone else.Predatory Lenders!!!!!
Product: Student loan

On XXXX XXXX, 2016, written instructions were sent to American Education Services as to how my extra payment should be apportioned. The language in the letter to American Education Services was clear and unambiguous. Rather than apply my extra payment as directed ( toward XXXX loan in particular ), American Education Services apportioned the extra payment toward XXXX separate loans. I am attaching the letter sent, in addition to the screen shot of how the payment was apportioned. Although I was advised that the payment would be corrected and apportioned as directed, no correction has occurred.