23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had severe issues with the student loan process for at least 10 years. An on going fraudulence has occurred on my student loans which I believe started with identity theft. Im unable to get resolution and require legal assistance. Ive contact every department related to my claims & accounts for the past 3 years. I only get people taking my personal & private information and telling me to pay up or else! No one will actually help me. They defaulted my loans. Triple the loan amounts for no reason. Change servicing companys often. I need them to stop harassing me. Stop garnishing my wages. Stop taking my tax returns that are ONLY CHILD TAX CREDITS. Stop ruining my credit so I cant even have a place to live. The lenders dont answer the phone. I called XXXX XXXX to inform them of how the loan was being processed and was transferred three times. What is that about!?! Sounds like a problem! 

I HAVE ALREADY COMPLAINED TO YOU! I have already filed complaints. I have already been in this loop of shame!
Product: Payday loan, title loan, or personal loan

my chp XXXX bankruptcy included a loan from moneylion which was discharged. since I filed for the bk the company has been charging me {$10.00} for this moneylion plus membership that was a non negotiable surcharge in order to obtain the original loan. I have once already complained to this company that they were taking bi weekly payments out of my check for the principle and interest of the loan while I was in the bankruptcy and they therefore refunded the transactions that occured during the automatic stay of relief. However this MONEYLION PLUS MEMBERSHIP FEE IS A HIDDEN CHARGE THAT THE COMPANY IMPOSES IN ORDER TO OBTAIN THE ORIGINAL LOAN AND SHOULD HAVE ALSO BEEN STOPPED, WHICH MONEY LION HAS FAILED TO CEASE COLLECTION UPON AS OF XX/XX/2019. I request that money lion returns all of the funds collected from my XXXX XXXX account DUE TO THIS MONEYLION PLUS MEMBERSHIP TOTALING {$150.00}, as of XX/XX/2019 and IMMEDIATELY CANCEL THIS MONEYLION PLUS MEMBERSHIP WHICH WAS THE ONLY WAY I WAS ELIGIBLE FOR THE ORIGINAL LOAN.
Product: Debt collection

I used to have XXXX for my cable services, they took over my prior cable company. This Company continued to overcharge me and finally I decided to change Servicers. 
On or about XX/XX/ 2019, I had XXXX install and take over all my cable/internet and TV. I chose to keep my phone number which never was released by XXXX. This lost me my phone number that I had established for nearly 18 years. 

On or about XXXX, XXXX sent a bill and I paid all that was priorly owed for the time having services. I never had any remaining bill outstanding. 

Despite that I had no longer had their services, they knew this and continued to charge me and refused to stop charging me. I had filed two disputes and after filing with two complaints one with their own Corporate Office, which was never answered in any manner, and the other with Ca. State Agencies consumer protection. I assumed they finally realized they were billing me for services that I no longer had. 

XXXX appears to have hired a Debt collection Company named and has added a collection on my credit report. This Company never confirmed or showed proof of any such debt. This Company was informed that No such Account existed and XXXX continued to charge me. This is unfair and now having hurt my credit ratings and this is seriously effecting me. 

There was no services rendered and it was impossible as I had XXXX and now it appears they are backdating bills and all was paid prior to the switch to XXXX. 

Additionally, XXXX stated " they would pay '' any remaining charges to Switch. 
XXXX  never paid anything either. Now, this defeats the reason for switching was to lower bills. Not to double up on bills and receive less service. 

I placed a credit dispute to this Third Party Debt Collector and they provided that I had an Account. However, I DID NOT HAVE ANY ACCOUNT AFTER SWITCHING TO XXXX This Company is " out of state '' and has no phone number listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA. XXXX. 

They are falsely representing that I owe a debt. This is on my credit as recent as XXXX XXXX 2019. Stating a false figure of XXXX They state I was delinquent in XXXX XXXX 2019 this is not true. They have provided No proof and there can be no true charges for services after I switched my cable/TV and internet. XXXX gouged me and I was tired of their games and unfair business practices. This is unacceptable.
Product: Debt collection

LVNV Funding LLC Resurgent Capital Services L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute of Account Information CFPB Case # XXXX Dear Compliance Department, I am writing to formally dispute the accuracy of the information reported by your agency regarding the following account : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Owner : LVNV Funding LLC Reference Number : XXXX Reason for Dispute The information reported to the credit reporting agencies regarding this account is inaccurate. I am disputing the balance and other elements of this account due to the following issues : Failure to Verify Debt Properly : Your response to the CFPB inquiry dated XX/XX/scrub> 2024,

indicates that a purchase and sale agreement was not provided. This omission fails to meet the verification requirements under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], which obligates you to verify the debt upon request.

Unverified Reporting to Credit Bureaus : Reporting unverifiable information violates FCRA Section 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], which mandates that furnishers only report accurate information.

Non-Compliant Responses : Declining to provide full documentation, including the purchase and sale agreement, raises compliance concerns under both the FCRA and FDCPA.

Requested Action I respectfully request the following actions : Immediate Cessation of Reporting : Remove this account from all credit bureaus until full verification is provided.

Provide Full Documentation : Send a complete validation package, including but not limited to the original signed agreement, purchase and sale agreement, and detailed account history, within 30 days.

Correction or Deletion : If you can not provide sufficient evidence, delete this account from all credit reporting agencies.

Supporting Documents I have enclosed the following for your reference : Copy of your
correspondence dated XX/XX/scrub>, 2024.


Highlighted credit report showing the disputed account. Legal Reminder Under the FCRA Section 611 ( a ) [ 15 U.S.C. 1681i ], you must complete your investigation and provide a response within 30 days. If you continue to report unverifiable or inaccurate information, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and may pursue legal action for non-compliance.

I look forward to your prompt response. Please address all correspondence to the address listed above or contact me directly at [ XXXX XXXX XXXX ].

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Late Payment XXXX XXXX XXXX XXXX XXXX {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor NCA was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/2022 After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today NCA has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXXXXXX 
violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. 
Account # XXXX {$140.00} {$560.00}
Product: Debt collection

I was sent a letter from  Commonwealth Financial stating that they would notify fy the   XXXX  major credit agencies once i made the payment stated in the attached. They did not ... I have called multiple times to  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX .  XXXX , and  XXXX   XXXX  no response.
Product: Vehicle loan or lease

Dear XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> email XXXX address XXXX XXXX XXXX XXXX XXXX new york zip XXXX once again I request the information that you send me with the 21 days advance notice before posting the delay to my credit bureau and you still have not provided me with any information. If such information exists please send it to me by this means. If not, please remove the information from all 3 credit bureaus.
Product: Debt collection

Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by Revenue Recovery Corporation creditor/collection agency. I have received a response that clearly violates my rights according to XXXX. 

Revenue Recovery Corporation, did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my XXXX rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in jail at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.
Product: Credit card

Dear U.S. Bank, I am writing to formally express my dissatisfaction with the recent decision to decline my secured credit card application on the grounds of suspected fraud. 

I find this decision perplexing and unjustified, as I have provided all required documentation and have a solid credit history. Additionally, I have active checking and savings accounts with your bank that are in good standing. There have been no indications or previous issues that would warrant such concerns. This decision has caused significant inconvenience and frustration. 

I kindly request a detailed explanation of the reasons behind this decision. Furthermore, I urge you to reconsider my application, as I am confident that a thorough review will reveal no basis for the fraud suspicion. 

Please contact me at your earliest convenience to discuss this matter. I expect a prompt and satisfactory resolution to this issue. 
Sincerely, Application Number - XXXX XXXX XXXX
Product: Credit reporting

I have settled out of this account. The status of the account still states a balance and should have a XXXX balance and report as settled in full. Please update this so that lenders are provided the CORRECT and ACCURATE information that is NOT misleading.
Product: Debt collection

In regards to XXXX XXXX XXXX ( XXXX ) XXXX POB XXXX XXXX, MI XXXX Everything here is false and misleading pursuant to 15 USC 1692e.

The information is violation of 15 USC 1692d
Product: Checking or savings account

I closed my granters account when he passed got the contents of a safety deposit box and got an estate account on which I paid the bills. Wells Fargo says they have the death certificate and Order to Set Aside. They said that wasn't enough? Now, I'm sure they owe remediation on his account due to the lawsuit and they are refusing to give me access to the account or the remediation. So I faxed them his will. That's all I got! It worked then why won't it work now?
Product: Debt collection

Paragon Revenue recently reported XXXX collection accounts on my credit report. I did not received a notice of right to dispute prior to the accounts hitting my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX They have illegally re-posted an account deleted for identity theft a long time ago. They have ruined my credit and caused damages to me as I recover from Identity Theft. They contacted me out of the blue about this account that has been removed and blocked from all three bureaus demanding money. I responded in writing to them within 30 days notifying them that this account was deleted for identity theft previously and can not be re-posted, bought or sold. 

They don't care about the law at all and attacked me anyway believing that I will just take this lying down and give up. 

They opened the account in XX/XX/XXXX for {$5600.00} and updated it to post on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

XXXX university sent a debt to conserve for collects. I was never fully enrolled until college. I did not meet all the requirements to be enrolled. This debt is for classes that I couldnt not take due to not being enrolled
Product: Money transfer, virtual currency, or money service

I sent payments through XXXX for any apartment listed on XXXX XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX NC XXXX. Application fee {$70.00} Security deposit {$400.00} After the payments were received XXXX stopped all communication phone calls and emails.
Product: Mortgage

I received a mortgage from Land Home Financial XX/XX/2008 XXXX with loan number XXXX. According to the information the gentlemen gave me they transferred the servicing to XXXX XXXX XXXX on XX/XX/2008. It has since been transferred to XXXX, XXXX and now XXXX. I called Home Land Financial to ask why I do not see a satisfaction of mortgage since it was sold, and was told it wasnt their job it was XXXX XXXX job since they were the servicer as of XX/XX/2008. I called the number Home Land Financial gave me and it is for XXXX and the gentlemen stated that was all the information he could give me. I want to know why a satisfaction of mortgage has not been recorded on this loan since it has now been transferred that I know of 4 different times.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these aacounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or items which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX* Balance : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a 30 day late payment last XXXX, XXXX XXXX XXXX continually updates the loan balance incorrectly. I have disputed the incorrect balance with the mortgage company, and with all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX acct # : XXXX, I was able to speak with XXXX 's legal department about my intentions to sue if their credit reporting was not corrected. During the conversation, I learned that the XXXX account in question is for an address I have never lived at. I am now assuming that XXXX mistakenly assigned that account to me. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX My previous address was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX. 

I have attached a copy of my W2 as proof of my previous address. I want to demand XXXX and the credit bureau 's permanently delete this tradeline from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX an I'm submitting this complaint for myself an there is no third party involved. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the false charges be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclsed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My information was used without my permission to open XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4000.00} open date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX {$8000.00} open date XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7400.00} open date XX/XX/XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fraudulent addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX I have contacted the XXXXXXXX XXXX XXXX XXXX filed a official police report for this fraud. I have also contacted the XXXX XXXX XXXX and filed a affidavit. I sent all information pertaining to XXXX, XXXX and Equifax yet the fraudulent Accounts have not been deleted. Please help me with this situation
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.

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

I submitted a dispute to Equifax in regard to account # XXXX. Equifax responded to my dispute by saying that the account in question was verified. As a consumer, I have the right to request how that item was verified by requesting the credit bureaus method of verification. On XX/XX/XXXX I sent out a letter to Equifax requesting the method of verification. 

According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you a method of verification within 15 days of your request. 

Equifax failed to provide any documentation proving they did their due diligence. I received a letter on XX/XX/2023 only saying the debt was verified again. No information on the method of verification, and past the 15-day timeframe. 

It is my understanding that under FCRA Section 611 ( a ) ( 5 ) ( A ) if a consumer reporting agency is unable to verify the accuracy of a disputed item within the given timeframe, the agency is required to promptly delete the item from my credit report. 

I request this account to be deleted immediately.