23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 



XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( Experian, XXXX XXXX XXXX XXXX. Consistency in reporting is essential for accurate credit information. 

XXXX. **Date Reported : ** The date reported varies across the bureaus, with one bureau reporting a significantly later date than the others. This inconsistency might require clarification or correction. 

XXXX. XXXXAccount Status : ** While all three accounts are reported as closed, there's a discrepancy in the payment status. One account is reported as " Current, '' one as " Late 90 Days, '' and the other as " Closed or paid accountXXXX balance. '' Clarification on the accurate payment status is needed. 

XXXX. **Creditor Remarks : ** The remarks provided by the creditors differ across the bureaus. These remarks should accurately reflect the account 's status and might need alignment for consistency. 

XXXX. **Credit Limit : ** There's a discrepancy in reporting the credit limit, with one bureau reporting a {$0.00} credit limit. Ensuring consistency in reporting this information across all bureaus is important. 

XXXX. **Payment History : ** Different late statuses ( 30, 60, 90 days ) are reported across the bureaus for specific months. Consistency in reporting these late statuses is crucial for accurate credit reporting. 

XXXX. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies.
Product: Debt collection

My Identity was stolen. A Capital One Credit Card was opened fraudulently in my name. I did not open the account or make the charges. I have contacted Capital One several times. I have sent a certified letter with information they requested. I have followed up with company by phone. Capital One will not give me any information about charges or how the account was opened. The information Capital One says is there proof is ; my information that was stolen, an old phone number not belonging to me for several years and a bogus email address that I am sure goes to the person who stole my Identity. 
The first idication that my Identity was stolen was a fraudulent change of address that the post office has record of being fraud Late XXXX of XXXX information is with the Postal Inspector XXXX. I then started a file on Identitytheft.gov. I have closed several accounts opened online, every bank was helpful and understanding until Capital One. After countless hours spent on the phone and submitting all the information they have asked for they have turned me over to collections with XXXX XXXXXXXX XXXX. I let XXXX XXXX know these were fraudulent charges and sent over to them the information needed to prove fraud.
Product: Credit reporting or other personal consumer reports

After going back and forth this entire year with Equifax since reviewing my credit report earlier this year and finding fraudulent accounts opened under my name that I had no knowledge of.. 

I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives of Equifax and made disputes over the phone. 

I was told to also write a dispute letter and send them certified mail to their headquarters where it can reach their dispute department. 

Being told that after their investigation is complete I would receive an update with the corrections made, yet nothing was done to fix their mistakes. Equifax is misinformed with the " verified '' information regarding the accounts I have disputed with them. Even after asking for the physical validation proof that the debt they claim is mine, they continue to neglect their duty to adhere to the FCRA and do not make the corrections to fix their mistakes! 

The following accounts listed below are unverifiable, inaccurate, misleading, and unlawful to report by Equifax and MUST BE DELETED IMMEDIETELY : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX, XXXX {$2700.00} XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$33000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}
Product: Debt collection

The LVNVfunding LLC.. Took me to court without properly notifying me.. All they seek to garnishes my state taxes.. which is illegal ... This is not a federally funded company or A State government organization.. They illegally but not limited too.. harrassment and threats of blocking my social security number.. the debit is not a federal debt for school or child support etc.. Its almost 4yrs old..
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and affective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their despute resolution process was unfair and deceptive as they did not comply with error resolution requirements under Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Product: Credit card

I have a Fortiva XXXX XXXX credit card. Fortiva announced that it will charge an annual fee beginning XX/XX/XXXX. Not wanting to pay said fee, I wanted to pay off my balance and cancel my card. The phone numbers provided by Fortivas webpage and emails are not functioning numbers. Emails continue to go unanswered.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX BALANCED {$0.00} XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/2020, I XXXX   and had to be taken to the hospital via ambulance. The XXXX  that I saw that day was XXXX XXXX XXXX. I XXXX  XXXX XXXX  and XXXX  my XXXX, which at the time was admitted into the XXXX. I was treated and released on XX/XX/XXXX. On XX/XX/XXXX I returned to the XXXX  with two XXXX  XXXX  and was admitted again then later released several days later. XXXX XXXX was the XXXX  that attend to me the whole process. Since then, We were billed by multiple companies. Our insurance provider at the time was XXXX XXXX, and paid all the bills with the exception of one. This particular bill is coming from XXXX XXXX XXXX XXXX. XXXX XXXX claims that this invoice is from an out of network location. Now, I only went to one hospital, XXXX XXXX XXXX in XXXX North Carolina. This is an XXXX XXXX company. I have contacted XXXX, they can not tell me nor do anything about the bill and said to contact the number on the bill. I have done that as well, and they say to contact XXXX. Meanwhile the bill has not been paid by my insurance and it has gone to collections. I have yet to be given any documents signed by myself, saying I received any services by the doctor on the bill. Also no-one at XXXX can provide me with that either.
Product: Checking or savings account

XX/XX/XXXX I made two purchases online : XXXX XXXX   XXXX MD XXXX XXXX XXXX   XXXX MD XXXX The coins I got were fake. I contacted the seller he never responded. I mailed them back. This bank has basically said so far that I either knew they were fake coins and I didn't send them back I'm not sure where they're coming from in their refusal. I guess they don't believe me and that is unacceptable. The complaints will go on until this is completely investigated.
Product: Credit reporting or other personal consumer reports

I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
XX/XX/XXXX-This account is not accurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. 
XX/XX/XXXX- The data is not complete, accurate, or up-to-date, and no evidence has been supplied to confirm compliance with any consumer protection laws. I demand that this information be deleted immediately. 
The account XX/XX/XXXXwith number XXXX is not correct on my credit reportits showing a rating of Collection/Chargeoff. You mentioned the account was opened on XX/XX/XXXX and the last activity was on XX/XX/XXXX, but this doesnt add up. Please remove this account as soon as possible. 
Please address the inaccurate account XXXX ( XXXX ) on my credit report listed as Collection/Chargeoff, with dates XX/XX/XXXX and XX/XX/XXXX. This is hindering my financing efforts. 
As per 15 U.S.C. 1681s-2, I request this accounts deletion and proof of the {$730.00} Im seeing the account XX/XX/XXXX/XX/XX/XXXXwith number XXXX is marked with a rating of Collection/Chargeoff on my credit report. You said this account started on XX/XX/XXXX and had a last activity date of XX/XX/XXXX, but this isnt right. It needs to be deleted now. 
XXXX reaching out because this account XXXX XX/XX/XXXX( Original Creditor : XX/XX/XXXX) with number XXXX is showing up wrong on my credit report as Collection/Chargeoff, and its really holding me back. You said it was opened on XX/XX/XXXX and had a date of last activity of XX/XX/XXXX, but I know thats not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Debt collection

my medical insurance would cover this. 
them failing to file it and or incorrectly per my insurance policy and the contract with them and my insurance if they file incorrectly or do not file I am not responsible for the balance. 
per my policy ER visits are only copay. 
this company continues to call me when I ve asked them to not call my work phone not only is this a HIPAA violation but to add to things they thing it's OK to report the debt and then wait a few months and report the same debt. 

I've previously deputed this debt they never validate the debt. 

it will disappear and then they will add it again months later with a new date to start the aging process and statue of limitations over. 
apparently the FCRA and laws do not apply to them..
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan and I missed a payment because I didnt have any money. So its defaulted but when I try to make a payment or refinance the loan this message pops up. Your account has a pending ACH payment that has not posted. To continue and make an additional payment please contact customer service at XXXX. I wonder if they closed the account out from missed payments. Saturday XXXX is when I seen it, I sent an email inquiring about my problem, XX/XX/XXXX that same Saturday at XXXX and its now Monday the XXXX XXXX.
Product: Credit reporting

According to TransUnion 's updated credit file on XX/XX/2017 ( # XXXX ), XXXX # XXXX ... .. should be removed XX/XX/2017. As of XX/XX/2017, this item remains.
Product: Mortgage

I was denied a loan by Wells Fargo, they said they would reimburse my {$520.00} Appraisal fee I paid, since they did not conduct XXXX, and instead conducted a " Rapid Appraisal. '' They only reimbursed me {$430.00}, saying " {$25.00} ( XXXX XXXX ) {$55.00} ( Property Condition Report ) {$15.00} ( Credit Report ) which = {$95.00} Total collected {$520.00} charged for {$95.00} = {$430.00} what you were owed back. '' I could understand charging me a credit report fee, but a rapid value fee and XXXX XXXX report which was never even conducted and given to me? They never came to look at the house! 

Please advise ... thank you.
Product: Debt collection

Green Tree Financial calls up to XXXX times a day starting on XX/XX/XXXX. My mortgage was discharged in BK and I am current with my payment. I always make my payment at the end of the month and pay the late fees. The payment is not 30 days past due .Between this number and one other one, I can receive XXXX calls per day.
Product: Checking or savings account

I went into a local branch and closed my checking and savings account. It was brought down to a XXXX balance and I was told it was closed. I notified them that my direct deposit would be sent that friday and they reassured me it would be rejected by the bank and returned to the employer. The next day there was a credit reversal posted to the account. First thing Friday morning the direct deposit showed as pending on the account. I immediately went into a branch and talked to a banker. After calling customer service I was told there was nothing that could be done because there was a negative balance. They advised me to have my employer to reverse the deposit. They were unable to due to insufficient funds. Now I can not pay my bills because wells Fargo refuses to release the funds they assured me would never be accepted.
Product: Credit reporting or other personal consumer reports

Upon careful review of my credit report, I noticed that a U.S. Bankruptcy Court entry has been incorrectly listed. In accordance with FCRA 623 ( a ) ( 5 ), if this information can not be validated with the original creditor, it must be removed from my file.

In this case, the U.S. Bankruptcy Courts, cited as the original source, have clearly stated that they do not supply information to credit reporting agencies, nor do they confirm or verify public records. Furthermore, XXXX has provided documentation indicating their inability to validate this public record information.

It is solely the responsibility of credit reporting agencies like yourselves, or your third-party providers, to ensure public record information is verified. This task is never handled by the Recorder of Deeds or the U.S. Court system, as outlined by privacy protections under the Fair Credit Reporting Act.

As such, the reporting of this bankruptcy violates the following federal regulations : 15 USC 1681a ( e ) : Prohibits reporting public records without proper validation.

15 USC 1681b ( a ) ( 2 ) : Restricts the provision of consumer information without consent.

15 USC 1681c ( a ) : Excludes outdated or inaccurate bankruptcy information from consumer reports.

The continued reporting of this unverifiable bankruptcy is causing me significant financial harm, including preventing me from obtaining credit necessary for supporting my family. This needs immediate correction.
Product: Debt collection

I opened the car loan in XXXX, got my car repossessed due to a missed payment and paid the amount plus fees to get my car back in XXXX. In XXXX I paid off my car loan and to this day XX/XX/XXXX its still on my credit report affecting it negatively.
Product: Mortgage

Dear Consumer Financial Protection Bureau, Please see the important information about complaint file XXXX. 

Please see the Appraiser who did the appraisal XXXX XXXX XXXX, XXXX, MD XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email address : XXXX He came and did the Appraisal inside and outside the house professionally. Please reach out to him if you have any questions.He provided Appraisal report to the lender XXXX XXXX. 
It was on XX/XX/XXXX. The appraisal was done on XX/XX/XXXX, XXXX house was still under construction. The construction value kept increasing XXXX XXXX % more including all Labor. Everyone knows that. 
I also have other appraisals closer to {$10.00} XXXX amount. 
I also have XXXXXXXX XXXX Appraisal Report XXXX XXXX XXXX XXXX  ) at the end of XXXX for XXXX XXXX  loan in thebeginning of XXXX is done professionally before they gave me the loanXXXXXXXX XXXX provided me the Appraisal Report.I can provide the Appraisal Report if you need it. 

The Broker from XXXX for XXXX told me that the appraisal was close to XXXX XXXX  but XXXX went back and changed it multiple times to reduce the loan amount. Eventhough, it the Appraisal report value is XXXX XXXX XXXX different higher than the {$5.00} XXXX appraisal value in the Loan documents. 

I appreciate your help. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Credit reporting

This company, XXXX XXXX in XXXX, Illinois, have made fraudulent charges using my name and social security, in which is reporting inaccurately on my credit report. I have filed complaints to this company and the credit bureaus and they have not responded. This company is under a lawsuit against other tenants that they have committed this unlawful act to. I have attached a Class Action Suit against XXXX to prove my claim. This account is showing as a negative account on my report, it is inaccurate and it is affecting my military career, in which I can not progress until it is deleted permanently.
Product: Mortgage

THEY REFUSE TO PROVIDE PAYOFF FOR A REFINANCE. I sent an authorization for payoff on 4 occasions each time they open a " ticket '' then close it without providing the payoff. They requested I change the name on the payoff as my name changed after marriage I have sent everything they have requested and they will not supply it. I sent the first payoff request with my new last name on XX/XX/XXXX. They said the wanted it my old last name sent it on on XX/XX/XXXX then again on XX/XX/XXXX the final one was sent on XX/XX/XXXX. Each time they close the ticket without response. I call in and they say a manager will call me back as they are all busy and no one ever calls back. If you ask to be routed up to a manger they are always busy. If you ask for the payoff department you are told they do not have a direct line.
Product: Debt collection

Time warner cable sent the account to collections prior to me returning their equipment after I cancelled the service due to a move about one month ago. The debt collector, IC systems, never contacted me about the payment and instead, they called my partner to say there was a debt owed by me, revealed the account it related to and the total amount due. As per the FDCPA, this is a clear violation as they can only contact relatives and the like to LOCATE the person. They can not reveal identifying information. What is more of a problem however is that they never attempted to reach me prior to making this call. I have no missed calls, mailed letters, emails or the like from anyone matching the company number. I also do not have any missed calls in general from any unknown numbers as I went through my call log for the last month to see if I had somehow missed a call.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on 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