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

I have sent the TransUnion Credit bureau over 12 letters disputing the continued reporting of this account on my report with the same adverse results for over 2 years. 

The issue with this account @ TransUnion is that my loan is no longer serviced by XXXX   XXXX XXXX. XXXX is the servicer for this loan but XXXX XXXX. XXXX per TransUnion keep reporting this account as if they are the servicer of it. 

XXXX has been servicing the loan for over 3 yrs. XXXX and XXXX has released this account from their files with no issues at all. This account is dated back to XX/XX/XXXXXXXX. It is in positive standing with XXXX. XXXX XXXX. XXXX should not be reporting on an account they no-longer service / FCRA.
Product: Debt collection

The whole situation led by Verizon sending stuff to wrong address and issuing inaccurate bills to me. Version tricked and kept playing the transferring and installing game on me when I call them multiple times to find out solutions. They always say they will fix it, but later on sending out more and more bills. 

XX/XX/XXXX - I received Verizon and collection bill of {$600.00}. The address appeared on the bill is incorrect. I contacted Verizon. They told me the bill is coming from XXXX devices of a service I cancelled on XXXX or XXXX Verizon supposed to send the return label to company address after cancellation, but they were sent to wrong address and so as the first device. I only received one device from Verizon throughout the whole time I used their wireless service. Verizon stated they will send out new return label and my balance will be clear after returning that one device, and they will contact collection agency to cancel the action. 

XX/XX/XXXX to XX/XX/XXXX - I received the return label, made a copy, carefully packaged the device and dropped off at a XXXX location. 

XX/XX/XXXX - Proof of delivery from UPS, Delivered on Monday, XX/XX/XXXX at XXXXXXXX XXXX at Dock XX/XX/XXXX - Follow up with the case, XXXX said to be patient and wait till XX/XX/XXXX and give me a number XXXX to call if don't hear anything by then XX/XX/XXXX - Collection agency CBE called me out of the blue, said the bill is {$710.00} after adding the collection fee which requested by Verizon. I called Verizon, they refuse to further investigate and pushed me to CBE. CBE accused me of not having written or email confirmation from Version. This is the problem, Verizon customer service does not have such thing as " creating case for costumer inquiry '', their representatives told different stories when every time I call. 

XX/XX/XXXX - I called the number provided to me XXXX, turns out it is verizon conference center, a service they offer for meetings. Version tricked and kept playing the transferring and installing game on me. 

XXXX - I tried to contact costumer service multiple times, and I even went to local corporate store for guidance, but they keep saying account is closed, nothing they can do, no place to file complaint if I am not their " costumer '' anymore, etc. 

XX/XX/XXXX - Called Verizon again, this time they confirmed they did receive the package, they will contact the team to process and will take a few days. They told me not to worry, they will cancel the bill and contact CBE, and suggest me to wait until their calls before file dispute to CBE XX/XX/XXXX- I did not receive any further updates from Verizon from any source. Called Verizon again, first rep says they can only process payments, second rep installed me with reasons like try to find the account, they transferred me to CBE without notice.
Product: Debt collection

This account is fraudulent as my information was involved in an XXXX XXXX XXXX XXXX XXXX  Breach and I need it removed according to FCRA XXXX ( 15 U.S.C. XXXXcXXXX  ) LOCKHART, MORRIS & MONTGO ( opened XX/XX/2019 )
Product: Credit reporting or other personal consumer reports

Company Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX I am writing to dispute fraudulent items listed on my credit report. I have reached out to all reporting agencies in reference to this matter, and nothing has been resolved. I reported this matter to the Federal Trade Commission and I also filed an Affidavit to this complaint. Please be advised that this UNVERIFIED account remain on my credit profile. I have yet to receive a 1099-C for about a charge off account that I have no records of nor have I received any documentation from the original creditor in reference to this account. This reporting agency continue to validate this account but yet to send over the proper documentation verifying that this account actually belongs to be. Im asking that this account gets removed immediately off my credit report. This account is affecting my image and reputation. Please remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these hard inquiries 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 ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XXXX XXXX XXXX ( Miscellaneous ) - XXXX XXXX XXXX XXXX ( Finance ) - XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX ( Hotel and travel ) - XX/XX/2022 XXXX XXXX ( Finance ) - XXXX XXXX XXXX  ( Bank ) -XXXX  XXXX
Product: Mortgage

On XXXX XXXX I took over success of interest on the property listed above with Flagstar Bank ( headedquarters XXXX, Michigan, United States ). My husband XXXX XXXX ( loan number XXXX ) was over the loan and the home was in a foreclosure statues.The hardship was because of my husbands death and a reduction of income which I regain in XXXX I wanted to save the home so I was advised by flagstaff bank to do a loss mitigation application for the mortgage. On XXXX XXXX I was approve for the mitigation. I was placed on a 3 month trial plan starting XX/XX/2022 amount {$2000.00}. Flagstar advise me that after the trial period is successful finished, Id receive more information. I called flagstaff in XXXX to see what was my next step in the mitigation process, I was told the title company is writing out the new loan information and I will receive them shortly. I call about these documents every week ofXXXX, XXXX, XXXX, XXXX. I was told I never sent out the documents back and informed flagstaff that I never received them. One representative told me that he could see that the document never went out. I called flagstaff the end of XXXX and was informed that my mitigation application was denied and closed because I didnt get the documents back and the time had expired or that they went back to underwriting. I never received any correspondence saying it was closed I also asked for a tracking number and never received it. I was advised to send out another application in which I did XX/XX/2022. Flagstaff kept sending letter saying incomplete but when I called the representative found all the documents, my application was closed once again. XXXX XXXX I mailed out a full application. XXXX XXXX I was advised by flagstaff that my application was denied. Nothing has financial changed for me since I submitted the first application. Flagstaff closed my application due to their own excessive time delay. I was informed today XXXX XXXX that my trial payment was suppose to be {$1400.00}, but I paid {$200000.00} for the 3 months which made me in default of the trial arrangements period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX loan I bought my vehicle in XXXX of XXXX, After repossession of my vehicle 2 yrs. later there was a 33 state Predatory lending class action settlement against XXXX XXXX XXXX where XXXX agreed to relive all defaulted loans to help repair credit of those individuals. So, after several attempts to get the account removed from my credit profile it remains on my credit report. XXXX settle the case early XXXX according to the agreement, my debt is to be forgiven and the account status because of what the agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX/Westlake Financial Services to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing XXXX/Westlake Financial Services to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three letters on XX/XX/2022 to the following credit bureaus to remove inaccurate personal information from my credit report : XXXX, XXXX, and TransUnion. Here are my tracking numbers for the letters dated on XX/XX/2022 : XXXX, XXXX, XXXX. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is not supposed to share my information to third party people/affiliates.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report, my account with XXXX XXXX shows no activity in the second half of XXXX and the suddenly in XX/XX/XXXX it shows a 30 day Delq mark. It also reflects my payment status as " Current '' in XXXX and XX/XX/XXXX. 

This information in inaccurate. I disputed this with XXXX XXXX directly and they confirmed that my account did not reflect a balance or payment due between XX/XX/XXXX and XX/XX/XXXX. They also sent me a itemized transaction history of my account that reflects this. 

I disputed the information on my report directly with both XXXX  and Equifax originally as my credit limit was not accurate and also disputed the inaccurate payment history. I provided a response from both agencies that the information was verified as accurately reporting. 

I contacted XXXX XXXX back and was advised they never received any disputes from XXXX  or Equifax and again advised me.of my payment history. 

These two delq marks are causing me difficulty in obtaining preapproval status for a mortgage. I have exhausted all attempts to resolve this issue directly. Attached to my complaint is the documentation sent to me by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I previously had XXXX XXXX separate accounts with XXXX XXXX  XXXX. A check and savings account and a credit card account. In order to use the credit card account, money has to be transferred to that account and XXXX pays for goods and services, but uses the consumers available money. I no longer use either accounts for XXXX because my account is closed and I should not have a past due balance of {$4700.00} because the money I transferred to the XXXX XXXX  account paid the {$4700.00}. There is no way to contact any representatives at XXXX via telephone pertaining to this and every email I have sent them does not get delivered, which is no fault of my own.
Product: Debt collection

To whom it may concern, I am subitting this complaint because I was never aware of this balance or this collection until I requested a copy of my credit score and I contacted them. I called the number on the credit bureau and I inquired as to what this was about. Then that is when they told me it was some XXXX XXXX I do not recall or had knowledge of any balance owed to this company and they never tried to collect or contacted me. As I mentioned If I had not requested my credit report I would have not even found out. 

I am requesting for them to remove from my credit bureaus ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The Original Balance has always been reported incorrectly. Equifax did not do what is required, make sure that all information is accurate before placing it on my credit report as well as investigating all information when disputed. The wrong Original Balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights. I have uploading supporting documents to my complaint. I have provided supporting documentation that shows where XXXX having to give me a credit due to me over paying on my account. A fair investigation has never been completed by Equifax but Equifax continues to report this account on my credit report.
Product: Debt or credit management

Been with Kikoff XXXX years ; now, my payments are bouncing out from them and theyre asking for more.. now in the red. Being XXXX  for the money!! Constant contact.. I am on XXXX and XXXX XXXX XXXX ; and they are aware. To be treated this way after never having an issue; outrageous.
Product: Debt collection

On XX/XX/XXXX, I received a letter from my former apartment complex, XXXX XXXX, indicating that I owed {$940.00} for damages. I called on XX/XX/XXXX, and left a message requesting clarification. On XX/XX/XXXX, I emailed them but received no response. 

On XX/XX/XXXX, I received a letter from Hunter Warfield stating that my account was in collections. I called to request proof of the debt and formally disputed the charges. I subsequently retained a lawyer XXXX XXXX, who reached out to Hunter Warfield in XX/XX/XXXX, but received no response regarding proof of damages. 

Hunter Warfield has failed to timely respond to the debt validation request
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request to investigate the following entities : XXXX, Experian and XXXX  for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and XXXX XXXX, XXXX for reporting frivolous and inaccurate information with the intent to profit. 
On XX/XX/16, I disputed XXXX 's alleged " {$850.00} '' debt reported by XXXX   XXXX to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. XXXX responded by saying that the XXXX 's debt was " reported correctly, '' by XXXX XXXX. 
XXXX XXXX and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. 
The enclosed supporting documentation is proof that no monies are owed to XXXX/XXXX. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. 
It is my position that XXXX and XXXX XXXX, XXXX have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on NATIONAL CREDIT SYSTEM ( Original creditor : XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

The sole collection on my credit report has several inaccuracies, with the major concern that there are two different creditors claiming ownership of this collection. I would like to challenge this account to have it removed by using 15 USC 1681e ( b ) and 15 USC 16811 ( 5 ) which state that all information on my credit report must be 100 % accurate across all three credit reporting agencies otherwise the account must be updated to reflect as accurate or removed from my report, and by law, I would like to have this account removed. 
Also, if my request is not fulfilled within 30-45 days, I will move forward with the litigation process to collect {$1000.00} in damages for each inaccuracy on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Fraudulent account ( XXXX XXXX XXXX XXXX ) Fraudulent inquiries XXXX  XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX  date of inquiry ( XX/XX/XXXX ), XXXX date of inquiry ( XX/XX/XXXX ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my Equifax credit Report Online on XX/XX/2018 and I don't see any information on my credit Report. My Equifax Credit report is wiped out as if I'm deceased or something. Nor do I see a credit report. On XX/XX/2018 I faxed all my identification and Social Security card to Equifax Credit Report. I'm not sure why my credit report information has disappeared from online viewing. I also can not see my current credit score as well. Because I pay for this online service to view my credit report and Credit Score. I'm also currently dealing with identity theft, Hackers, Spam callers, spoofing, Mail theft, and vanish email and phone calls. This is due to mortgage Fraud as well with XXXX  XXXX XXXX.
Product: Debt collection

The Original creditor was Synchrony Bank, this account was paid but did not credit the account, many attempts with the original creditor to resolve were ignored. This debt has been sold more than once. This account has been paid.
Product: Credit card or prepaid card

I XXXX XXXX entered into a consumer credit transaction with Credit Acceptance Corporation on XX/XX/2010. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. Credit Acceptance Corporation then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

FIRST, & LAST NAME ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I obtained a secured credit card with First Progress Card. They have me at {$200.00} balance and reporting me as being late from solely late fees. I closed my account with them and used my deposit to pay off the account and they charged me another late fee!! If {$200.00} was given why would I be charged again and given another late on this card. I was charged the annual fee as well but closed the account shortly afterward. I should have this fee reversed as well.
Product: Credit reporting or other personal consumer reports

I tried calling and kept getting hung up on. An account was opened based on my XXXX and XXXX account, for Bank XXXXXXXX XXXX. It reads I have a {$230.00} balance on a card with a {$300.00} limit. I have no recollection of this account. It reads it is a Milestone MasterCard opened on XX/XX/2022.