23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In early XXXX I voluntarily contacted Diversified Consultants in regards to a C/O XXXX bill that became delinquent in XX/XX/2013. I know that bill was pass the statue of limitations but i wanted to clear the debt from my name. I spoke with a supervisor in XXXX in regards to a below blanket settlement of {$600.00} on balance of {$1300.00}. The supervisor agreed to a settlement of {$600.00} that would be paid in two payments of {$150.00} in XXXX and one payment of {$300.00} in XXXX to settle the account in full for {$600.00}. I asked the supervisor to provide me with a settlement letter as proof for my records and was told i would be emailed a settlement letter. I never received the settlement letter. I spoke with a representative a few days later in regards to getting a settlement letter and was again told i would be emailed a settlement letter. I never received a settlement letter but instead received a letter in the US Postal mail stating that i agreed to pay {$600.00} as payment towards to the total balance of {$1300.00}. Nothing noted on the letter reflected the settlement that was agreed upon on a recorded line. On Thursday XX/XX/XXXX, I received an alert from my credit monitoring service ( XXXX  ) stating that Diversified Consultants listed the same XXXX account as a delinquent account on my credit report in the amount of {$1200.00}. Its very unethical practices for Diversified consultants to  misrepresent the payment arrangement i made, they never forwarded me any settlement paper work regarding the approved settlement of {$600.00}. Instead i was forwarded documentation regarding payments towards the full balance which was never discussed. I stopped payment on the check immediately because I was mislead into a fraudulent arrangement that i did not agree upon. On Friday XX/XX/XXXX, I reached out to Diversified consultants and spoke with a supervisor by the name of XXXX. I informed XXXX of the situation and XXXX immediately became irate and stated that i would recieve a settlement letter until i paid the settlement balance which is not true because i was told on two separate occasions that i would be forwarded a settlement letter. I informed XXXX that i expected the negative remarks on my credit to be removed immediately because the arrangement was misrepresented and she told me that would not happen. I informed XXXX that i would make a complaint in regards to unfair practices and she told me to go ahead. The call ended and now i am here looking for help.
Product: Mortgage

XX/XX/XXXX We had a balance in our escrow account of {$1400.00}. We refinanced and instead of refunding the amount to us because they had just paid our taxes XX/XX/XXXX they applied the balance to the new loan. From our understanding we did not need cash to close. I asked the mortgage company about it and they said because we are refinancing with the same company they are allowed to use the escrow balance for the new loan. Is that correct?
Product: Debt collection

Citizens one and XXXX XXXX can not produce original documents of final disclosure for private student loan from XX/XX/XXXX. The charge of amount is incorrect, the percentages are fraudulent. When I asked for final disclosure papers all they gave me was transaction history. The dates are also wrong. I graduated in XX/XX/XXXX. They have been reporting invalid dates. When I go to open up the final disclosure from my email they have blocked this document. I would like for this document produced. I have asked many times before over the years and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and Trans Union about account XXXX/XXXX Acct # XXXX. This account is Fraudulent and in the name of " XXXX XXXX '' ; my name is not " XXXX XXXX ''. 

XXXX nor Transunion has not responded by sending me an adequate description of the re-investigation process not did they send me copies of any documents proving that the account is not fraudulent. 

I also have submitted a Federal Trade Commission Fruad affidavit to XXXX and TransUnion, ( Please see the current Federal Trade Commission Affidavit. Please attach it to TransUnion as well. I added it because I forgot to add XXXX/XXXX Acct # XXXX to the Federal Trade Commission Fruad affidavit # XXXX attached to CFPB report # XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to work with Equifax has been horrible. Terrible language barrieries and repetitive script reading. I have submitted multiple FTC reports regarding the inquiries. These have yet to be removed because the agents at Equifax can not read. Here are the inquiries I have requested several times to be removed. 

( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( ( XXXX XX/XX/XXXX ) ) ( XXXX XXXX XXXXXX/XX/XXXX ) ) ( ( XXXX, XXXX XX/XX/XXXX ) ) ( ( XXXX XXXXXX/XX/XXXX ) )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification like I asked? 
As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ). 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
acct # XXXX Please remove this unverified account from my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

RushmoreLM send a late payment to credit reporting agents but I no longer do business with them and owe no payment. After reporting to the credit reports agency they still saying that I owe them money with is incorrect
Product: Debt collection

Experian is reporting XXXX XXXX account and this account has been deleted from XXXX  I would like for this account to be deleted from Experian as well.
Product: Credit card or prepaid card

On XX/XX/XXXX, while trying to make a purchase, both of my CCs were declined. I call Chase and I was told the bank had decided to close my accounts. They mentioned my credit cards accounts had been closed that same day. I called twice to the number listed on the back of the card and no one was able to tell me why or what was the reason for this. 

My two credit cards were closed on XX/XX/XXXX and my checking account is to be closed on XX/XX/XXXX. 

On XX/XX/XXXX I went to the bank I normally go to. There, I spoke to a private client banker ( Im more than happy to share his name but will keep it out at this time ). The banker looked at my accounts, checked my activity and could not see what the problem was. A problem or the reason why Chase would decide to make this move. He then proceeded to call someone at Chase ( over the phone ) and this same lady said she also could not see anything illegal, any abnormal, or that would go against Chase rules.

The banker said he was not working on Wednesday ( the following day ) but said he would be talking to the branch manager as she might be able to see what the issue is. I went back on Thursday, he said she also could not find the reason for closing my accounts. He said he had emailed someone at a higher level and was waiting for his response. 

I received a letter on XX/XX/XXXX ( dated XX/XX/XXXX ) saying my close had been closed without providing any additional information. There was a phone number included in the letter. 

Today, XX/XX/XXXX I called that phone number and after speaking to a supervisor she said this was a final decision and did not give me any additional information. She said something between the lines of when I first opened my account, I signed guidelines I needed to follow. Ive been with Chase for the past 10 years and have NEVER had any issues with them. 

I dont owe any money, pay my cards on time, have money in my checking account, and have just one credit card with XXXX XXXX which I rarely use ( Ive probably used it three or four times ). 

I looked up reasons why a bank would close an account ( ex : purchasing XXXX, open lots of CC, laundry money, not paying on time, and others ) NONE of which I fall under. Once this complaint moves forward, I am more than happy to show my bank statements and do whatever is necessary to show Im on good standing. I have GREAT credit as well. My husband and I just recently purchased a home using my credit as I have a great score. 

Chase has an equal credit opportunity act notice which states they do not discriminate against race, color, religion, nationality, etc. I am XXXX living in the states as a lawful permanent citizen. All of my papers are in order, I dont have as much as a parking ticket. I pay my taxes and I am currently employed as Ive been even last year when most people were laid off. 

It is my assumption Chase is closing my accounts because I am from XXXX. It is imposible the reason be anything related to my credit, activity, etc. because I know these are all legal and transparent and nothing close to being against Chases rules/guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX, Bank XXXX XXXX XXXX, and XXXX 's XXXX have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I just checked my Experian account today and I saw a collection account that I have no knowledge or idea of. 
Account Name : XXXX XXXX XXXX, Account number : XXXXXXXX XXXX Account Balance : {$1500.00} Date opened : XXXX XXXX, XXXX  Past Due : past due as of XX/XX/year>. 

I have no knowledge of this account until today I saw it as a collection account with you guys. I believe before you assign an account as a collection account you must have verified, the debt validation letter, the original application with my signature, the payment history of the account to show proof as to how you came about with the account balance but am yet to ever have a communication with this company talk less of having the above mentioned documents. so I am requesting the following to be sent by mail within 2 weeks. 
- A debt validation letter and proof this company is able to collect this debt - Send the original loan application with my signature - Payment history to see how you arrived at the debt amount of {$1500.00} If your unable to provide me with this documents then you must delete this account from my report. I believe this information was not even suppose to be on my report without the above requested documents and communication established with me by the collection company claiming this debt is mine in the first place. 
If am not able to receive this documents then I reserve the right to sue for wrongly reporting my credit account as an effort to hinder me/ prevent me from getting certain benefits like loans or getting better interest rates as a result of knowingly and willfully reporting false information on my credit report
Product: Credit card or prepaid card

On XX/XX/2018 went onto Kohls online site to order an e gift card for my son who just moved out of state. Site said maximum amount was {$250.00} which I purchased and paid for. Received a confirmation email that purchase was received and would be delivered shortly. After 10 hours of not having it delivered to my sons email I sent a follow up email asking why this order was not completed. Received a response there was a problem and to call kohls. Once I called I found out they can not do an e card for more than {$100.00} so they cancelled order and I have to place 3 separate order. I asked why the online site has this option for more than {$100.00} if they can not deliver and was told this is a mistake.
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX Focus Fina Opened XX/XX/XXXX +Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Focus Fina Opened XX/XX/XXXX +As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Well over a year ago I sent over 40 pages of documentation to each credit bureau XXXX, TransUnion, and XXXX. I have also previously filed a complaint with the CFPB. This information was from XXXX and contained police reports filed by me, an FTC identity theft report filed by me, and documents filed by my attorney in court. I still retain all of this information and copy of all is again provided to you here. 

I was a victim of severe identity theft of all assets during my divorce that began on XXXX XXXX XXXX valued at approximately XXXX XXXX dollars. Everything was stolen from me including all financial information, all money, all personal, marital, and inherited assets. 

On XX/XX/XXXX I was placed under a XXXX XXXX XXXX order by the court in XXXX XXXX NC and my husband was removed from our marital residence for XXXX  year. Immediately after this court decision, my husband and the paramour engaged in an elaborate criminal scheme to steal all assets and use them for their own financial gain. 

Beginning XX/XX/XXXX, I no longer had control or access to of any and all of my credit cards, bank accounts, account numbers, or passwords. I did not make any charges to these accounts after that date. My husband and the paramour had my social security number, my birth certificate, my drivers license, and my mothers maiden name. The paramour assumed my identity and pretended to be me, accessing all my credit card information, forwarding my mail, and using my accounts as her own. 

During XXXX, I also hired and paid approximately {$1200.00} to XXXX XXXX XXXX yet they too failed to take any action on my behalf. 

The persons responsible for all charges made on my accounts after XX/XX/XXXX were my x husband, XXXX XXXX XXXX of XXXX XXXX, NC, and the paramour XXXX XXXX XXXX of XXXX, VA. 

After sending all verification of proof of identity theft to all three credit bureaus they too also failed to verify the information. 


According to the law U.S. code 1681i. Procedure in case of disputed accuracy : if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Student loan

My personal and financial information was compromised without my authorization. The family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Elon Musk ( DOGE ) is a third party vendor, meaning him gaining access to my personal and financial information is a direct and clear violation of FERPA policy, the Higher Education Act, and the Privacy Act of 1974.
Product: Credit card

On XX/XX/year> I received an email from Capital One with an offer to apply for a credit card I was pre-approved for. I applied for the credit card and received an approval the same day with a credit limit of {$4000.00} and APR 29.74 %. After activating my virtual card via my Capital One app, I made two purchases, which one was approved and the other was declined and I received an email regarding suspicious activity and to call the fraud department. After getting in touch with the fraud department the agent requests to send a code via text or call for identity verification, giving I only have one phone number I requested for the text. After several failed attempts I contacted my phone provider to inquire if there is anything on my end preventing the text from coming in. After some troubleshooting and a successful test code, I verified with my phone company there are no blocks not allowing me to receive any text codes. I then called Capital One 's fraud department again, and their attempt to send a code still failed, they then requested me to send in two form of documentation which they confirmed drivers license and bank statement would suffice. I proceeded to upload front and back of my drivers licences and a pdf copy of my Capital One Checking account statement, both of these documents show my full name and address which match what is on file. I was told the process could take 10 days. I called prior to the 10th day and requested a supervisor for an update. The supervisor then told me the file is still under review and confirmed the receipt of the documents. They always attempt to send a text code again but then told me they have been sending it to a phone number they could not tell but it wasn't my current number, which I informed them would not work, given I only have one number which is on file with Capital One. The supervisor then told me I would have to wait for the full 10 days and I may be called by someone involved with the account. I called back on the 10th day due to never being contacted, in which I was then informed my account for that card has been permanently closed due to them not being able to verify my documents, I then asked what else I need to do and was told there is no resolution the account will remain closed and I can just pay the balance.
Product: Debt collection

Hello : ERC is reporting on my account that I have a past due account from XXXX and I don't. I want proof of this being my account. I tried contacting them in regards to the account but have not received an answer. Their contact info is ERC XXXX XXXX XXXX XXXX FL Their phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XXXX, XXXX, and XX/XX/2020 I requested LexisNexis to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by LexusNexis. 

LexisNexis continues to furnish inaccurate information to XXXX, XXXX, and XXXX. 

In XX/XX/2020, I called LexisNexis and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all LexisNexis does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

LexisNexis claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with LexisNexis or the bureaus. 

At this point someone is lying and furnishing inaccurate information.
Product: Debt collection

Recently this company has shown up on my credit report. Tek Collect has failed to contact me through any various means ( phone, email, mail ) regarding the amount or creditor I supposedly owe. I do not believe I owe a debt in the amount of {$130.00}. I have also not been able to find solid information on this company and have read some disheartening reviews on their processes