23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was initially contacted by the debt collector Yesterday XX/XX/22 regarding a credit card debt and was offered a settlement amount with a website address. As soon as I logged into the website to view the settlement, my phone was inundated with phone calls from two different numbers and texts to pay. I started receiving nonstop calls and texts regarding the debt, one as early at XXXX am. PST. After explaining I need to load my prepaid debit card to pay the settlement, which I would do soon they began constantly texting and calling, threatening to call my relatives and my place of employment. I explained they were in violation of the FDCPA by contacting anyone but me with good contact information, and to please discontinue the text conversation. I continue to receive texts telling me it is going directly to the recovery department I need to pay now.
Product: Debt collection

Yesterday, I received a notice from the XXXX XXXX XXXX XXXX XXXX, that an collection agency named Glasser and Glasser had filed a judgment against me for a supposed debt owed to XXXX XXXX. First of all, I have no debt with XXXX XXXX, and I contest the debt. But more importantly, I did not receive a notice of my right to dispute this account, prior to being served this notice. By not receiving a notice of right to dispute, Glasser and Glasser has violated my federal rights under the Fair Debt Collection Practices Act.
Product: Debt collection

This company calls me numerous times every day, when I answer they hang up and dial again, I called 2 times and asked them to stop they have called 20 times last week
Product: Checking or savings account

HUNTINGTON BANK SHUT OFF MY ONLINE BANKING. I TRIED TO CALL THE BANK AND THEY WOULD NOT LET ME UNLOCK BANKING. I WAS UNABLE TO GET THE ACCOUNTS UNLOCKED EVEN WITH ACCOUNTS IN GOOD STANDING, AND I CAN ANSWER SECURITY QUESTIONS. THEY COULD ALSO NOT TELL ME WHY IT WAS SHUT OFF TO BEGIN WITH
Product: Credit reporting or other personal consumer reports

companies are continuing to report my nonpublic information after I have opted out of my information being shared. Please review attached documents.
Product: Debt collection

XXXX XXXX has been harassing me for a medical bill that was already paid by insurance, also it never provided me with a validation of debt in the event the debt was real, contacted previous provider and was advised they do not do business with that collection agency and they can not verify the debt is owed, have file a dispute with credit bureaus and has been remove from two of them however they refuse to have it remove from XXXX, they have been contacting me to collect a debt that is not owed.
Product: Checking or savings account

On XX/XX/XXXX my checking and savings acct with Wells Fargo were hacked. It started with a text from Wells Fargos line that I had received previous acct alerts on like low balance, saying there has been fraud flagged on your acct did you make this transaction with force insurance for {$1700.00} if yes reply yes and the transaction will be allowed if no reply no and it will be blocked and fraud will call you. I replied no and the fraud or who I thought was the fraud department called me. The person who called said their name said they were with Wells Fargo fraud department in a recorded and monitored line asked who they had the pleasure of speaking with and I told them. They asked how they could help today. I told them the message I had received. They said ok your going to get a 6 digit code to authenticate me coming to my phone and to please let them know when I received the code and provide that code. I did. The person asked me to look at each one of my accts and verify no other transactions were unauthorized. I did that and relied saying nothing else looked fraudulent. She said that a freeze would be placed on our acct so no other money could be taken at this time. I asked how we would be able to use the money as we needed to have access she said she would set it up with XXXX XXXX for a temporary card until our new physical cards arrived in the mail. She never asked for acct numbers, social, phone numbers, XXXX XXXX  or anything. She asked me to removed the old card from my wallet app so I did. Again didnt give her any information passwords or otherwise. From there she told me that she was going to put me on a hold while she worked on freezing the acct, setting up a temporary card and sending me an email summarizing all that happened with a claim number. After a while on hold the call dropped. I checked my accts and all the money was gone and not on my apple wallet. I immediately called Wells Fargo fraud using the number in the app and told them what had happened. They created a claim with escalations and fraud department. Then I called XXXX to find out how this could happen as by this point my phone no longer worked once the call dropped. They said she likely had hacked the Wells Fargo app and was screen sharing on my phone unauthorized and was able to see when I put in my XXXX XXXX  password to remove my card from the wallet. I told them I gave her no information and they said I wouldnt have had to if she had already hacked the app and then screen shared without me know. So I didnt approve or give any information away. Wells Fargo called me today XX/XX/XXXX to tell me my claim was denied because I shouldnt have had my debit card on my apple wallet even though Wells Fargo has to approve it when you add it to the apple wallet. They also said the transaction show they were completed from my number which I told them I didnt do that this lady had hacked the app because I didnt move any money. And they still said it was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. TransUnion deleted the account and then placed it back on ). TransUnion has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I XXXX XXXX, consumer and natural person, am aware of all my rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also States a consumer reporting agency can not furnish an account without my written consent.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

It also States a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, I AM PREPARED FOR LITIGATION Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Here is the breakdown of the discrepancies : XXXX : Shows two late payments ; one for 30 days another for 60 days. Equifax : Shows one 30-day late payment. XXXX : Shows two late payments ; one for 30 days another for 60 days. This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities. Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX inquries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  inquries XX/XX/XXXX XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XX/XX/XXXX have contacted company with no results
Product: Debt collection

My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated   XX/XX/XXXX    , I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first name is misspelled on my credit report. An address I never lived at is listed on my report. I have tried multiple times to get Equifax to fix it and they claim it is fixed but the wrong past address is still there and they just sent me by USPS a letter addressed to the misspelled first name. 

I filed a complaint with the CFPB a few weeks ago and the company 's response had nothing to do with my complaint. 

Equifax CAN NOT BE TRUSTED with sensitive credit information.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Vehicle loan or lease

I have had this lease, 2022 XXXX XXXX, since XXXX of 2022. Every single month, I've to reset my PW to make my lease payment and this month, it isn't working. I've tried to talk to XXXX and they do not seem to care. PLEASE HELP!
Product: Debt collection

I requested the following 1 : proof of payment history : didn't provide it 2 ; signed lease agreement with my wet signature : wasn't provided 3 : proof of their authorization to collect ( chain of title ) : wasn't address prove I ow the debt to XXXX : wasn't addressed Additionally, I never done business with XXXX and never agreed for my personal information to be shared with XXXX or any third party. That is a violation under 15 USC CODE 1681 B ( A ) ( 3 ) A ) and also 15 usc code 1692 e : false or misleading representation. : XXXX is misrepresenting their right to collect and is deceiving the Comsumer which is a direct FDCPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to XXXX of the credit bureaus. This is awful. I asked them why not all XXXX of the agencies, they do n't want to pay fees. I thought my credit score was XXXX or XXXX since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You
Product: Checking or savings account

I was incarcerated from XX/XX/2023 to XX/XX/2023 at XXXX XXXX XXXX XXXX. When I was arrested Police took my property including my debit card ending in XXXX and my cell phones and credit card. I was incarcerated the entire time pending trial. When released I checked my account and noticed I was missing XXXX due to someone using my debit card for the purposes of buying clothes and miscellaneous items online. When I noticed this I contacted XXXX XXXX who told me to put in a dispute which I did. I was denied but the agent told me that they didn't see my documents which included my property list and incarceration documents. So they told me to resubmit and add those documents which I have. I will attach the documents including the transactions. I am needing those funds reimbursed to me because since that it has put a heavy Hardship on me financially especially being I was just released from incarceration it hasn't been easy, and dealing with this has put a burden on my capabilities. Below are the following laws that should be adhered to and abided by in situations as such Electronic Fund Transfer Act ( EFTA ) : In the U.S., the EFTA provides consumers with certain rights, including protections against unauthorized electronic fund transfers. If a customer reports unauthorized transactions promptly, their liability for such transactions is limited.

Regulation E : Under Regulation E, which implements the EFTA, banks are required to investigate and resolve errors related to electronic fund transfers, including cases of unauthorized transactions. Consumers typically have a limited time to report such errors. 


I reported this incident and I just want my funds returned to me. Ive done everything on my end
Product: Debt collection

Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX, NY XXXX Collection Inquiries Tel : XXXX Email : XXXX Fax : XXXX XX/XX/2024 Notification from Credit report of {$1500.00}. 
Do Not know what this is from and company just refers to website, for payment options : www.sunrisecreditservices.com
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex opened accounts with out my knowledge or consent and made herself and authorized user all charges came from her cards stopped paying when things ended statute of limitations past in my state of Pennsylvania I honestly do think I should be held responsible
Product: Mortgage

On XX/XX/XXXX we received notification from XXXX XXXX XXXX that our mortgage was being transferred to XXXX XXXX. In XX/XX/XXXX we sold our home. I have been trying to obtain my 1098 from XXXX XXXX to submit my taxes. The amount in question is one month of interest When I tried to contact them I was redirected to a company called Mr. Cooper. I contacted Mr. Cooper on XX/XX/XXXX but was told by the representatives there that they could not find my account. I faxed them the notification letter and the my escrow disclosure statement hoping it would help them locate the information. When I did not hear back from them, I followed up today but was told that they did not have access to my account information. I asked if they received the information I faxed earlier in the week and was told they could not access the account information. They suggested that I should contact XXXX XXXX  which I did, but was told that they only had information from the point of the transfer. I have received my 1098 from XXXX XXXX. 

XXXX XXXX suggested I notify you to see if you can assist in any way. Please advise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, NY XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Complaint Regarding Inaccurate Bankruptcy Record Consumer Number XXXX, Case Number XXXX Dear LexisNexis XXXX XXXX, I am writing to formally dispute the continued reporting of an inaccurate bankruptcy record associated with my credit file under Consumer Number XXXX, Case Number XXXX. This matter was initially disputed in XX/XX/XXXX, but I have since learned that the verification of the disputed information was allegedly conducted by the PACER Service Center, which is not compliant with the requirements of federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ( 2 ) and 1681e ( b ) ], credit reporting agencies are required to ensure maximum possible accuracy and verify disputed information directly with the original furnisher of the data. The PACER Service Center is a third-party provider of electronic access to federal court records and does not qualify as the original furnisher of the bankruptcy information. 

The original furnisher in this case is the XXXX XXXX  XXXX for the XXXX XXXX XXXX New York XXXX XXXX ( or the applicable bankruptcy court ). Per my understanding, the court itself does not report information directly to LexisNexis or any other consumer reporting agency. Any records obtained from PACER are secondary and can not be used as a primary source of verification under the FCRA. 

It is noteworthy that LexisNexis has previously faced legal action for similar issues. For instance : Class Action Lawsuit Over Inaccurate Bankruptcy Information ( XXXX ) : LexisNexis and XXXX were accused of including inaccurate bankruptcy information in consumer reports, failing to verify the status of a consumer 's bankruptcy filing. 
XXXX XXXX FCRA Violation for Failing to Update Consumer Data ( XXXX ) : LexisNexis Risk Solutions was sued for failing to keep consumers tax lien and civil judgment data up-to-date, resulting in the reporting of outdated and inaccurate information. 
XXXX XXXX XXXX I am requesting that LexisNexis conduct a proper reinvestigation of this matter and verify the accuracy of the bankruptcy record directly with the original furnisher of the information. Alternatively, if verification can not be obtained from the original source, I respectfully request the immediate removal of this inaccurate bankruptcy record from my credit report. 

Please provide me with a detailed response to this letter, including the specific steps taken during the reinvestigation process and the name of the original furnisher of the information. 

If this issue is not resolved promptly, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursue legal remedies as provided by law. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe of 30 days. 

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

For my accounts ending in XXXX and XXXX are closed and I no longer have access as these accounts ( just for XXXX, please do NOT touch the other accounts on my file ), is no longer associated with me and need to be removed entirely. I have attached proof of the XXXX  out account.