23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a victim of identity theft in XX/XX/2023. The person stealing my identify applied for several credit cards. This was submitted to identitytheft.gov ( reference # XXXX ) and my dispute with the credit bureaus was accepted and all accounts were removed from my credit report. 

I have just been notified that an account of mine has been sent to collections. After discussion with the collection agency, it appears that in XX/XX/2023 someone applied for an apartment using my information and never paid the fees. That account is what is being reported as in collections now. I have no affiliation, and have never had any affiliation or contact with the XXXX.
Product: Mortgage

My mortgage account XXXX XXXXXXXX was paid current and should have been reinstated as of XX/XX/XXXX. Due to a mistake in the payment process between the GA HAF program and Ameris DMI bank the payment was process by Ameris on XX/XX/XXXX. To date Ameris has not completely reinstated my account they still have me in loss mitigation even after they have been payed. Each month since XX/XX/XXXX while in forbearance they incorrectly reported my mortgage account to the 3 credit bureaus as 30 days late. They continued to report me late while in loss mitigation with agreements not to report me late. They have reported me 30 days late multiple time after the mortgage was reinstated and payed current with advanced payments. This negative reporting has damaged my credit and caused good credit account to be closed or reduced. This is a violation of my credit rights. Also they are not correctly applying the funds paid by the GA HAF program. As per the agreement I signed with the GA HAF program the funds pay date should be XX/XX/XXXX to XX/XX/XXXX. Ameris has given me a pay date of XX/XX/XXXX. My current due date for the next on time payment is XX/XX/XXXX. My account status should be current as of the payment being received by Ameris on XX/XX/XXXX. Please see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that this late payment item be deleted immediately. I entered the items and the outcome I desire below because you are in violation and this item is not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
NAVIENT Account Number : XXXX Validate/inaccurate reported late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX and, XXXX have reported a 34 point decrease in my credit score. When it should have been a 34 point or more increase. Several items were deleted from my report after a dispute and all credit card balances and paid down to XXXX. I have tried to contact them reguarding this mistake and they will not help me. I have worked hard to clean up my credit and deserve to have things reported accurately. It is unfair for them to do this to me when all the evidence is right there of the improvements. They clearly made mistakes, I need it corrected immediatley. This is emabarring and causing a hardship for me and my family as we are trying to purchase a home. Please help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report today, I was surprised to find inaccurate accounts listed, and I dont know why. I always check my report regularly, but this time, there were discrepancies that seemed to appear out of nowhere. I tried refreshing my browser, hoping it was just a display issue, but the errors didnt go away. Because of this, Im asking for a careful examination of the documents I submitted so I wont have to worry about this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Acct XXXX XXXX XXXX  Acct # : XXXX Acct : XXXX XXXXXXXX Acct # : XXXX Acct : XXXX XXXX XXXX Acct # : XXXX Acct : US Dept of EdXXXX Acct # : XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 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.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving unverified and inaccurate accounts unresolved. The consumer financial protection bureau ( XXXX  ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer providing evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. This failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$22000.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The vehicle had numerous issues from the day I purchased it. I tried working with the dealership to replace the vehicle and they refused to help me. It continued with various noises that none of the mechanics could identify within the transmission. I new transmission was put into the vehicle because I had the extended warranty however, even after doing this the vehicle continued to have problems. The dealership wanted to put another transmission into the vehicle. They were not confident that even doing this, would fix the problem. I called the bank and explained the issues I was running into and told them to come and get the vehicle because I was not going to make another payment on a vehicle that spent more time in the service department continually trying to be fixed. This would end up costing me more than what I was going to spend on the vehicle. ( I have attached documentation and service records of the numerous repairs from XXXX XXXX XXXX and XXXX XXXX XXXX which is the last dealership that was working on the vehicle with the extended warranty. ) This account needs to report a {$0.00} balance. There is no outstanding balance due. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

Dates : XXXX  Amount : Below {$50.00} Action : I paid off the bill I've never received a {$39.00} bill from my previous landlord at XXXX XXXXXXXX XXXX, XXXX, LA, after I relocate to another state in 2022. The rental company reported the debt to the collection agency PROCOLLECT ( https : //procollect.com/ ). When I received a call from the collection agency, then I realized the debt existed. I told them that if I paid now, they would not report it to the credit bureau, and they agreed. However, they still reported it to the credit bureau, which negatively impacted my credit score. Additionally, when I spoke with their employees, they were arrogant. They discriminate against people based on others ' accents. They don't even listen to what you're saying. 

I've paid off the bill when the collection contacted me. I'm writing to request the goodwill deletion as this is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Please block and remove this information from my credit report, Pursuant to section 605B or the fair credit reporting act and send the required information to all furnishers of this information five unauthorized fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I do not know what company to send my XXXX mortgage loan payment to. I have received a transfer of servicing notice from XXXX Mortgage indicating that my XXXX XXXX mortgage payment is due to XXXX and I have received a Loan Billing Statement from LenderLive indicating that my XXXX payment is due to LenderLive. I believe that XXXX companies have violated RESPA, FDCPA, and UDAAP subjecting them to civil money penalties and they have created such confusion that I have no idea where to send my mortgage payment which now puts me at risk that my payment will be late or not applied to my loan properly.
Product: Credit reporting

I have never resided at the address listed as XXXX XXXX XXXX XXXX, XXXX MS . I helped a fellow government worker move their belongings there as they were in need of assistance to care for their XXXX children while transporting their goods. I need this corrected immediately as I am receiving a bill from a company I did not do any business with. I only stayed with this individual for a month while they got situated working for the XXXX XXXX XXXX. Please delete this line item immediately.
Product: Credit reporting or other personal consumer reports

I am trying to buy a house and I have realized I have damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report. It is defamation of character.
Product: Debt collection

Select Portfolio Servicing, Inc is the current servicing company for Account Number : XXXX, and I would like to know the name, phone number and address for the OWNER of this loan. I would also like to DISPUTE some charges that has been applied to this account. I spoke with a representative today who refused to release the name of the lender that owns the account.
Product: Credit reporting

I initiated a dispute with Equifax last year to challenge some inaccurate and unverifiable information on my credit report. At the same time I contacted the creditors in question per my right under the FCRA. I have received no response from the creditors and the credit bureau has stated that they verified the accuracy. I have requested in XXXX separate letters the " verification of procedures '' on how they contacted and verified these accounts in question. They have failed to provide this to me in writing. The issue I 'm having is that if the creditor supposedly verified with the credit bureau then why did they not verify with me, the alleged debtor. 

Equifax has failed to comply with the federal laws in place to protect consumers from inaccurate or false reporting. This lack of due process and disregard for the federal mandate has placed a burden on my credit report and my family 's future. 

Please assist because I have no other way to turn, my next option is to hire a civil attorney. 

Thank you, ** all documents sent are provided in the document upload section on this complaint **
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 a credit card account with XXXX XXXX XXXX was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with XXXX or XXXX XXXX doing business for XXXX. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with XXXX or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/2015 and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via XXXX in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach XXXX and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for XXXX and have reached no resolve. In addition, XXXX will only give information after providing the email address on file to which I do not have an email on file with XXXX. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at XXXX to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

XXXX Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally Financial reports my loan balance inaccurately to the three credit bureaus which drops my credit and FICO scores. Ally also never reports my account monthly. My credit reports usually say no information or are three months behind. 

When you talk to representatives the issues arent immediately solved even after submitting disputes and waiting 30 days. Ally Financial continues to not update my account timely and accurately which has had a negative effect on all three of my credit reports. 

Currently I owe {$5800.00} on a vehicle. On my XXXX and XXXX reports Ally Financial reports me owing {$6400.00}. On my XXXX report Ally Financial has me owing {$6900.00} and 30 days late.
Product: Credit reporting or other personal consumer reports

Fellow Up : Dispute Letter Complaint ID # XXXX To who it may concern : According to FCRA 15U.S.Code 1681i, I want a manual reinvestigation with proof of how you conducted the investigation. I want the name of the person ( s ) you spoke with, company ( s ) you called, their address, phone number etc. All the details of the investigation along with the information from my original request. I also attached a copy my personal information that XXXX and XXXX are both reporting adequately. Please explain why and how your reporting of my personal information is obviously different and inadequate.
Product: Debt collection

I am writing to formally dispute a questionable and unverifiable debt entry on my credit report, associated with an account I have never authorized or engaged with. The entry in question is linked to CBE Group for a supposed Charter Communications account, which I assert is a mistake or a case of mistaken identity. 

**Details of the Disputed Entry : ** - **Service Provider : ** Charter Communications - **Collection Agency : ** CBE Group - **Reported Account Date : ** XX/XX/year> - **Amount : ** {$320.00} I firmly state that I have never opened an account with Charter Communications nor authorized any transactions that would link me to the aforementioned debt. The appearance of this account on my credit report is erroneous and is causing undue harm to my credit score and my ability to secure future credit. 

Given the above, I request the following actions to be taken : 1. A thorough investigation of the disputed entry by CBE Group for Charter Communications, as per the regulations governed by the Fair Credit Reporting Act ( FCRA ). 
2. The immediate removal of this incorrect entry from my credit report with all the credit reporting agencies, should there be no concrete evidence substantiating this claim. 
3. Provision of all documentary evidence that supports the validity of this account, assuming such records exist. 
4. A written confirmation sent to me acknowledging the receipt of this dispute and updates or results of your investigation.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this AMEX inquiry. 
I have no supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such inquiry, in fact therefore exists.
Product: Debt collection

Subject : Cease and Desist Harassment under Consumer Law ( 15 USC 44, 12 USC 83 ( a ) ) Dear [ Debt Collector 's Name ], I am writing to address a matter of grave concern regarding your company, LVND Funding, and its persistent and troubling collection practices. This letter serves as a formal complaint and demand to cease and desist the harassment I have been subjected to in violation of the Consumer Financial Protection Act ( CFPA ), 15 USC 44, and relevant federal statutes, including 12 USC 83 ( a ).

Since 2018, I have been receiving an excessive and alarming number of phone calls from your agency, LVND Funding, in relation to an outstanding debt. These calls have escalated to a point where I am receiving between 9 to 13 calls per day, which not only constitutes a severe breach of my consumer rights but is also causing a tremendous amount of distress in my life. 

Furthermore, it has come to my attention that some of these calls are characterized by foul language, silent calls, and outright harassment. Such behavior is unacceptable and is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) as well as other consumer protection laws. This ongoing harassment not only disrupts my daily life but has a detrimental impact on my overall well-being. 

I would like to remind you that the Congress passed the FDCPA to ensure that consumers are protected from abusive, deceptive, and unfair debt collection practices. These calls clearly contradict the principles set forth by the FDCPA and related regulations. 

I demand that LVND Funding immediately cease all forms of harassment, including but not limited to the excessive number of calls, foul language, and silent calls. This persistent harassment has caused severe hardship in my life, especially considering the challenging economic circumstances we face today. 

I also request that LVND Funding complies with all relevant federal and state laws regarding debt collection practices. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights and seek remedies provided by law. 

I expect a prompt response to this letter, confirming your commitment to cease the harassment and outlining the steps you will take to rectify this situation. Your cooperation in this matter is not only a legal obligation but also a crucial step toward resolving this issue amicably.
Product: Credit card

XX/XX/year> I purchase a lawnmower from XXXX XXXX XXXX located : XXXX XXXX XXXX XXXX, CA I had applied for and was approved for a XXXX credit card to obtain a discount on my lawnmower purchase. Prior to receiving by mail the actual credit card from XXXX there were already fraudulent charges made on this particular card. ( My only purchase was the lawnmower ) I notified XXXX of the fraud and cancelled the card immediately. I was then notified by a collection agency of a 2nd credit card applied for at the same XXXX, the XXXX XXXX XXXX` Business Rewards card '' under the name of XXXX XXXX using my social security number and XXXX XXXX standing information ( I do not own a business named XXXX XXXX , I never applied for or consented to any such credit line or credit card ) the collection notice had over {$80000.00} in fraudulent charges! In addition, the fraudulent party had attempted to access my XXXX XXXX XXXX  account in attempt to make a transfer payment to American Express via a rejected ACH. ( Banking Fraud ) I notified my bank immediately and put the necessary safeguards in place. I also filed a formal police report stating identity fraud. I want to make clear I nor anyone I know applied for or made charges to these cards. The " Rewards '' card was never sent to me or received at my address. It is my belief that the the parties responsible for said fraud is likely employed by XXXX XXXX XXXX in the credit department using their customer credit applications and private banking information to access confidential information and commit to fraud, both identity and banking. I have been in constant touch with American Express who is under a constant " we are reviewing the matter '' mode. Further, American Express has stated they are no longer contracted with XXXX as they ( XXXX ) failed to obtain TIN ( Tax ID numbers ) when applying for or approving " The Business Rewards '' card.