23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a collection account with Jefferson capital systems for {$1800.00} opened XXXX XXXXXXXX XXXX. The original creditor says XXXX XXXX XXXX. I have disputed the account several times and it keeps coming back as a valid account. I have not had a XXXX account in 5 years. I am XXXX XXXX XXXX XXXX XXXX it is simply impossible for me to have opened this XXXX account. If the charge is actually from XXXX in XXXX, that account is still open and making payments monthly. This debt does not belong to me, I have no knowledge of it. No one has ever contacted me about it, and no one has ever proved the debt to me. It just magically appeared on my credit report. Also, after my second dispute it was removed for about a week and then put back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is someone else on my credit score. This is the second time that this has happened. Equifax customer service is garbage and is not able to help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts 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: Debt collection

I sent a debt validation letter to LVNV Funding LLC and all they sent me in return was a credit card statement. No signature, no contact not but an statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a collection account that was on my report from XXXX XXXX. It had dates and charges I didn't recognize. I sent them a certified letter on XX/XX/XXXX and they received XX/XX/XXXX. I requested for them to investigate the account they had on my report as I have never done business with them or any XXXX XXXX XXXX XXXX. I have never been to an integris XXXX XXXX XXXX nor do I even live or have ever lived in XXXX XXXX. I asked them to provide DOCUMENTATION that the account belonged to me with signatures and any identification that was taken so we could track down who was behind using my name or have a similar name to checking into this hospital. 2 days later is the response I got They sent me a letter that I received on XX/XX/XXXX stating They determined the balance on the account is accurate and my responsibility. No documentation or anything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX 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  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 an account without my written instructions I asked for the accounts to be validated for accuracy and after receiving documents from the credit bureau they state all accounts are accurate. I have enclosed documentation showing inaccuracy violated
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 

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

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with trheir findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. I submitted a letter to the 3 Credit Bureaus XX/XX/2022 requesting to corerct the suspicious information I found on my Credit Report. I belive that the Credit Bureaus have not validated these accounts in accordance with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. It's either the Credit Bureaus correct these accounts or remove completely from my Credit file : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} DEPT OF ED/NELNET XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} DEPT OF ED/NELNET XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} DEPT OF ED/NELNET XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried Several times to Dispute inaccurate information with Equifax which Equifax doesn't reinvestigate my dispute and fails to provide proof of their findings I am asking for Equifax To reinvestigate and delete the negative information and the accounts that were fraudulently opened in my name Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have repeatedly contacted my Servicer, with the desire to resolve and settle my account. My current Servicer was also at one time the owner of my mortgage. My current Servicer denies that they ever owned my mortgage, as evidenced by attachments. Complaints that I have filed with CFPB have been answered insufficiently, with answers that are either incorrect and/or do not apply to the issues. On XX/XX/XXXX, Mr. Cooper Associate, XXXX XXXX, replied to the complaint which I filed on XX/XX/XXXX. The complaint was regarding Nationstar/DBA Mr. Cooper and previous OWNERS of my mortgage who have not sent Welcome and Good-bye letters when my mortgage changed OWNERSHIP, as required by the Truth in Lending Act, 15 U.S.C. 1641 ( g ) Liability of ASSIGNEES states requirements for OWNERS, ASSIGNEES, AND CREDITORS of the mortgage. In her response, Ms. XXXX stated the following : " Our records confirmed that XXXX XXXX XXXX XXXX XXXX has been the active owner of the account since XX/XX/XXXX ; therefore, no notification regarding the change of the owner of the Note as the owner has not changed. '' This is inaccurate information, as proven by attached Assignment of Mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to documents recorded with my local County Clerk, Nationstar Mortgage LLC/DBA Mr. Cooper was the owner between the dates of XX/XX/XXXX and XX/XX/XXXX. I contacted Ms. XXXX by email on XX/XX/XXXX, asking her to address this incorrect information, along with other issues. I have still not received a reply from Ms. XXXX. I am attaching the email which was sent to Ms. XXXX. On XX/XX/XXXX, Mr. Cooper associate, XXXX XXXX, replied to the complaint which I filed on XX/XX/XXXX. Ms. XXXX agreed with Ms. XXXX, stating the following. " Our records confirmed that XXXX XXXX XXXX  XXXX XXXX has been the active owner of the account since XX/XX/XXXX ; therefore, no notification regarding the change of the owner of the Note as the owner has not changed. '' Once again, this is false information, as proven by attached Assignment of Mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted Ms. XXXX by email on XX/XX/XXXX, asking her to address this false information, but I have still not received a reply. I am attaching the email which was sent to Ms. XXXX, along with Assignment of Mortgages which prove Nationstar Mortgage LLC/DBA Mr. Cooper was the owner between the dates of XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

I got a text from the number XXXX saying a document delivery for me was scheduled for XX/XX/2021. If I wanted to redirect the delivery, I could call XXXX Reference number XXXX. I called the number and a man by the name of XXXX picked up and informed me he was XXXX from Crestwood Mangagement out of XXXX, AZ and I owed {$400.00} to a place called XXXX XXXX XXXX  I told him I had never heard of the place and I knew this was a scam. Apparently, he knew someone I was married to about 20 years ago because he said her name. I asked him where XXXX XXXX XXXX  was located and which store I supposedly took out this loan was and he just told me they had many locations throughout the U.S. I informed him, I was going to report him and that I was a former military police officer and I knew he was a scammer. Also, I contacted the XXXX  and they informed me Crestwood Management was out of XXXX, OH. I have never never heard of, or done business with a XXXX XXXX XXXX to my knowledge.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Fair Credit Reporting Act and Fair Debt Collection Practices Act by XXXXXXXX XXXX XXXX XXXX equifax, XXXX I am writing to formally complain about the inaccurate information XXXX XXXX  XXXX has been reporting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite numerous attempts to rectify the situation, the errors persist, and XXXXXXXX XXXX  XXXX has failed to comply with the following regulations : XXXX. **Violations of the Fair Credit Reporting Act ( FCRA ) : ** - **15 USC 1681s-2 ( b ) : ** Failure to correct inaccurate information.

- **15 USC 1681s-2 ( a ) : ** Reporting inaccurate information to consumer reporting agencies.

- **15 USC 1681i ( a ) : ** Failure to conduct a reasonable reinvestigation of disputed information. 

XXXX. **Violations of the Fair Debt Collection Practices Act ( FDCPA ) : ** - **15 USC 1692f ( 8 ) : ** Using deceptive means to collect or attempt to collect any debt.its a violation for company to placed thier logo on evenlope/letter After multiple reinvestigations, I have received XXXX different reports from XXXX consumer reporting agencies, each showing discrepancies in the information provided by XXXXXXXX XXXX  XXXX : XXXX XXXX XXXX Report : ** - The reported balance is {$680.00}, whereas my actual balance is {$600.00}. 
- The account is listed as charged off, yet it still shows a balance of {$600.00}. 
- The report indicates a payment was made in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. 

XXXX. **XXXX Report : ** - The report shows a XXXX late payment in XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, rendering the report incomplete. 

XXXX. **Equifax Report : ** - The account 's opening date is listed as XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, making the report incomplete. 
- The XXXX  delinquent date is incorrectly reported as XX/XX/XXXX. 

Furthermore, all XXXX reports lack information regarding the transfer/sale of the debt, which is a crucial aspect of the account 's history. 

As per the FCRA and FDCPA, I am requesting that XXXXXXXX XXXX XXXXXXXX immediately rectify these errors by deleting the inaccurate account information from my credit reports. Additionally, I am seeking appropriate remedies for each violation, totaling {$1000.00} per violation. 

I expect this matter to be resolved promptly and satisfactorily. Failure to do so may result in further legal action.
Product: Credit card or prepaid card

I've been a long time user of the Apple Card, with Apple being the company advertising it and Goldman Sachs being the bank. They ended up closing my account on XX/XX/XXXX for no reason, saying a break of cardholder agreement, when I had done nothing wrong that would breach any such rules. I use the credit card myself and they just ended up closing it for no reason.
Product: Debt collection

I dispute this amount with LVNV funding. I dont know what that is They called me and threaten me. And hung up on me
Product: Credit reporting

I have a student loan with University XXXX that has had XXXX dollars foegiven as part of a XXXX forgiveness and is in defirment currently. On transunion it is stilll reporting as in collection and for XXXX. When it is current and is only XXXX. I have disputed multiple times to get it fixed to get a response that it has been confirmed in the wrong status of in collection and for XXXX. It is reported correctly on my other credit reports. I call XXXX and they state they are reporting it correctly. I am trying again with print outs from XXXX but this is now my XXXX or XXXX dispute with transunion.
Product: Prepaid card

On XX/XX/XXXX i made a purchase for 2 pair of shoes the merchant had me pay through XXXX XXXX but I went straight through my sofi accounts once I found out merchant was fraudulent I filed complaint with sofi XX/XX/XXXX they said in 3 days I would have a credit when that didn't happen I filed complaint with CFPB it wasn't until then per sofi that that started investigating sofi then sent a letter only to cfpb saying they issued a charge back on XXXX a lie that letter was dated the XXXX I then contacted sofi asking where is my refund or credit if charge back was done I was told they never did charge back and investigation takes 90 days less than 48 hour i receive a letter investigating complete with no proof that I received my merchandise Not receipt and i also forwarded complaint to XXXX XXXX with no help but should be on record
Product: Mortgage

We purchased a foreclosure property from Bank of America located at XXXX XXXX XXXX XXXX, XXXX VA XXXX in XXXX XXXX. In Virginia, you are required to obtain a repo title with the DMV when you foreclose on a property. This was not done by either Bank of America or their foreclosure agent ( XXXX XXXX XXXX, XXXX. ). XXXX XXXX XXXX, XXXX. did not even request a DMV title report until nearly 4 months after closing and then conveniently overlooked that a title and lien existed. I have spent a ridiculous amount of hours over the last several months trying to get the lien released and have them send me the title from the DMV. I literally had to show Bank of America where on the title report the lien and title number were and they refused to help me at all until I had a DMV title report on the property. I finally received the lien release in XXXX XXXX but if I turn it in to the DMV then they mail the title to the former owner ( who is deceased and did not have an estate to distribute ) .Both Bank of America and XXXX XXXX XXXX XXXX XXXX. refuse to fill out the form and request the title from the DMV. I have offered to fill out the form for them and send them the 10 bucks. I know it is common practice for Bank of America, XXXX XXXX XXXX and other big banks to refuse to get Manufactured home titles but it needs to stop. Why do n't they have to follow the law? They market and advertise these properties as single family residences and then do a bait and switch maneuver. They use hold harmless forms to avoid complying with the law. These tactics are frustrating and cost their customer extraordinary amounts of time and money.This is really simple fix for either Bank of America or XXXX XXXX XXXX, XXXX. and I only want them to do what should have been done when they foreclosed on the property. If I could do it, I would. I have spent countless hours on the phone with Bank of America, XXXX XXXX XXXX, XXXX and at the XXXX without success. 

This is a really easy fix for Bank of America and/or XXXX XXXX XXXX, XXXX. It does not have to be this hard. It is 10 dollars maybe 20 dollars and a stamp which saves everyone a lot of time, money and aggravation.
Product: Credit card

On XX/XX/year>, I was in XXXX XXXX, XXXX on vacation. I ate at a restaurant where two men approached me, claiming to be employees. I asked for a menu, but they said there wasn't one and asked what I wanted. I ordered shrimp with rice and a passionfruit juice. When I tried to pay with my US Bank XXXX credit card, they said their system was down and we needed to go to a nearby merchant to process the payment. 

On XX/XX/year>, I discovered they had charged me {$300.00} for the meal. Assuming it was an overcharge, I submitted a dispute to US Bank. They categorized it as a mistaken overcharge and sent paperwork for me to complete. After filing the dispute, I researched and found this was a common scam at that beach. 

I collected news articles and trip reviews about similar scams and submitted this information to US Bank on XX/XX/year> ( file attached ). 

On XX/XX/XXXX, the charges reappeared on my account, so I called US Bank. The representative asked if I had received a resolution letter, which I had not. She said the charge would be credited back, but it never was. 

On XX/XX/year>, I received a letter stating my dispute was denied due to insufficient information ( file attached ). I called US Bank again and was told they would request to reopen the case and recategorize it from incorrect amount to fraud. However, nothing happened, and the charge remained, accruing interest. 

I followed up on XX/XX/year>, and was told the case had not been reopened or refiled correctly, but another request would be made. 

On XX/XX/year>, I called again and found the case still hadn't been properly handled and was still not reopened/recategorized. I spoke to a customer service supervisor who explained : 1. Dispute representatives can not remove charges or reopen cases ; they can only request case managers to do so. This had not been explained to me, so I thought my case was being processed.

2. Case managers can't receive inbound calls, even from dispute representatives ; requests are submitted electronically and no follow up information is available to the dispute representatives.

3.I would have 
to wait for a call back from a case manager supervisor. Previous call attempts were made when I couldn't answer, and no messages were left. I explained that as a full-time worker and student, I can't always answer calls. The representative told me to prioritize the call but could only give a window, not an exact time.

I am stuck in a loop of inaccurate information, dead ends, red tape, and dysfunctional processes. I feel US Bank allowed me to be scammed, and I plan to end my business with them. I recommend the CFPB investigate this and advise consumers to avoid their financial products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 unauthorized inquiry to my consumer report on XX/XX/20 and XX/XX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR Credit Bureaus During the Covid-19 I struggle to catch up my payments on time I was sent home from my job because of Covid-19 I was missing payment to my self secured loan on XX/XX/XXXX and XX/XX/XXXX and Borrow money from someone to pay SELF lender secured loans and SELF Secured Credit card they refused to remove the late payments off my credit report since then I never late to making payments they supposed to follow the COVD ACT and remove those late payments from my credit reports as soon as possible .Account # XXXX and Account # XXXX SINCERELY. 
XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion has not complied with FCRA 605B by failing to remove fraudulent accounts from my credit report despite being provided with the required documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan and needed my EQUIFAX security freeze removed. Firstly, I attempted to remove said freeze via online, but with no success. I kept receiving a message to call a customer service representative. Secondly, I called per instruction, but again, with no luck. I kept getting the run around, being transferred to various individuals and departments. Finally, and conveniently, a representative said the department I needed to speak with was closed for the day. Then, after calling for the third time, a recorded voice said to fax your full name, addresses for past 5 years, social security number, date of birth, copy of driver 's license, and a brief summary of request to XXXX. Thirdly, I faxed said information, along with my home and email addresses, and telephone number. Again, nothing! I have never experienced such ineptitude with the other two credit reporting bureaus. Even EQUIFAX 'S verification questions were bizarre. I had to answer every one with " None of the Above. '' It was as if, I was given someone else 's questions.
Product: Payday loan, title loan, or personal loan

I got a loan with them initially the pay off amount was  XXXX  they would not let me view the truth in lending or loans and started debiting my bank account every  2  weeks  XXXX  I looked on the website and they have made a repayment plan for  1 whole year every 2 w eeks for  XXXX  I would have never signed anything had I known they would charge this much.
Product: Credit card or prepaid card

On XX/XX/2017 I received a letter from XXXX  ( see attached ) that my store credit card was to be closed due to " observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. '' I immediately called the customer service number provided, but an answer to my question could not be provided, XXXX XXXX customer service said I had excellent credit history with them, and that I should contact Capital One. I have never opened a Capital One card, so when I called Capital One, they could not provide me with any answers either. I've checked all XXXX credit reporting agencies, and none list a Capital One account in my name. A few years ago I believe an ex-boyfriend opened a Capital One XXXX card in my name WITHOUT my permission and may have used that card illegally. I have tried to contact Capital One regarding this ( see attached letter ), however I have not received any contact or resolution from Capital One regarding this issue.