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

XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$4700.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$9100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX  XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$5000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original account is from XXXX XXXX XXXX XXXX XXXX. I have never done business with this place. The account showed up randomly on my credit report as a collection. I have tried multiple times to call the business, but they have incorrect number 's listed. This business also has many different addresses, which makes it look more fraudulent to me. I have submitted a complaint with the XXXX XXXX XXXX, they too were unable to get in contact the business. I have disputed this collection account, once through XXXX  and once through XXXX XXXX - both times it came back verified from the collector, Creditors Discount & Audit. This has been detrimental to my credit report. If there is any way that you can help me resolve this issue it would be greatly appreciated. The date this collection went to my credit report was XX/XX/2019 and the amount they have listed is {$300.00}.
Product: Credit reporting or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed that XXXX and TransUnion are both showing a duplicate account with XXXX XXXX account number is different on the report but it's the same account reporting twice. Both are showing opened the same month/year, the same amount for high balance and that they were both sold to XXXX. The account number XXXX the other one they are listing with the exact same information is wrong. It has been disputed several times and it still reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA FSB partial account number XXXX ( page 17 of the attached credit report. ) is incorrectly reporting to XXXX ; XXXX and XXXX a late payment in XX/XX/2019. I contacted USAA FSB and the representative I spoke to, her name was XXXX admitted that a mistake was made and that the reporting of the late payment on our credit report is incorrect. XXXX told me even though the mistake is on their end, she said they do not have the means to give us a forgiveness letter, nor do they have the means to contact the credit bureaus to have the late removed. They sent us a dispute form ( copy attached ) that we filled out and did send back to USAA FSB for them to review. We demanded a correction and after a very lengthy telephone call, approximately 2 hours, the call ended with the representative from USAA FSB for me to call us back in 1 to 2 days to get an update. We have not yet heard back from any representative with USAA FSB and the incorrect reporting is still showing up on our credit report. This incorrect reporting is harming our credit score.
Product: Credit reporting or other personal consumer reports

Ive come across multiple errors on my credit report that need to be fixed right away. These inaccuracies, which I strongly suspect may be the result of a data breach, are unfairly damaging my financial standing. 

XXXX XXXX XXXX XXXXXXXX - {$29000.00} XXXX XXXX - XXXX - {$38000.00} Even after numerous disputes, supporting documents, and follow-ups, nothing has been corrected. Its beyond frustrating to see the same mistakes persist despite my efforts to have them removed. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate credit report. Im demanding that these errors be properly investigated and corrected immediately. If they can not be verified with solid evidence, they must be removed without delay.
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

XXXX XXXX {$310.00}
Product: Credit reporting or other personal consumer reports

Over XXXX  months ago you furnish a late payment to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance : {$5800.00} TransUnion : XXXX XXXX Balance : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion originally removed XXXX  XXXX from my consumer report, now Im seeing that it has been added back on to my consumer report. I was never notified or provided any information on how this alleged debt was validated. Im lodging a formal complaint for the PERMANENT REMOVAL AND BLOCKING OF ANY AND ALL REPORTING FROM XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has used a 2nd party ( XXXX ) to verify a Bankruptcy on my LexisNexis credit file. They by law, the Fair Credit Reporting Act can't do this. It must be provided by the original source which is the bankruptcy court. Enclosed, please find a letter From the XXXX  XXXX XXXX Bankruptcy XXXX who holds control stating they don't supply this information to any credit reporting agencies. Also enclosed is a letter from LexisNexis addressed to me stating they used XXXX as the means to verify this information. That's illegal and violates my rights as an American consumer. This bankruptcy is to be removed from LexisNexis ' files immediately.
Product: Credit card or prepaid card

In XXXX I made an online purchase using Commenity Bank 's XXXX 's credit card. ( Acct. XXXX ). The package arrived in a XXXX 's box. I checked online for the charge ; it never appeared. When I spoke to a Customer Service Rep., I was told I had a XXXX balance. Today, I received a collection call from Commenity Bank 's XXXX 's credit card. I was informed that I have an overdue balance of {$76.00}, which includes a {$27.00} late fee. No one could explain why the online XXXX 's purchase was charged to my XXXX 's account ( XXXX ). 

I will pay the cost of the items and the minimum interest. I dispute that I owe a late fee as the items were changed to a different vendor without my knowledge. I have spent hours on the phone in an attempt to resolve this matter. Customer Support personnel are very difficult to hear and to understand. Moreover, my multiple requests to speak to a supervisor resulted in a retransfers into the extended-wait-time queue.
Product: Debt collection

I had been receiving multiple calls and letters from National Credit Systems from their representative XXXX XXXX XXXX regarding a debt I do not recognize at all. I could see from the letters that it was for the amount of {$340.00} originally due to XXXX XXXX, a company whom I also don't recognize. Apparently, according to the letters sent to me, this debt was due XX/XX/XXXX but it doesn't say what for, and until I got a call from collections, I never got a notice from anyone saying I owe them anything, they just let this debt go straight to collections and purposefully effect my consumers report. At first I ignored them because I was just annoyed, but then I saw they hit my credit report and never gave me fair notice, so I looked into how I can learn more about this debt. After searching online I came across several samples of a debt verification letter that I could send to them, and with that I could request a cease and desist for 30 days while I wait for verification. I included all the details I needed to in my letter - dated and sent XX/XX/XXXX. It is now XX/XX/XXXX and the same rep has attempted to call three times now, first on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, and earlier today at XXXX ) leaving a voicemail stating they are attempting to collect. I have yet to receive any verification and I don't want this effecting my credit anymore, I need something done about this.
Product: Debt collection

On several occasions within THE LAST 2 YEARS I have filed disputes regarding an alleged account listed on my credit report that I am not familiar with. I have suffered a lot of mental Anguish and time spent to correct this situation. I am so overwhelmed and disappointed with credit reporting agencies and debt collectors failing to comply with the regulations set forth by the FCRPA.I have been denied housing ( currently homeless ), I have suffered mentally, financially, physically and emotionally. 


I contacted the furnisher listed on my report ; Resurgent Capital Services/LVNV Funding LLC via phone on XX/XX/XXXX and spoke with Rep XXXX in ref to a ( " XXXXXXXX XXXX XXXX ) acct. 
I indicated to the rep that I wanted to start the dispute process for an acct that is listed on my credit reports b/c I do not recognize the listed acct. I requested on the XX/XX/XXXX call to be sent all relevant documentations via U.S. mail and any verifications and validations which would prove/verify I owe this debt. I also requested proof to be sent that shows /proves that the collection company has the legal rights to collect on the debt. 

XX/XX/XXXX -I received in the mail what appears to be a generic or computer generated billing statement with not enough info on it and an acct summary prepared by Resurgent Capital Services on behalf of LVNV Funding LLC . 


Congress enacted FCRA " to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which isfair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information .... '' 15 U.S.C. 1681 ( b ). To guard against the use of inaccurate or arbitrary information in evaluating an individual for credit, insurance, or employment, Congress further required that consumer reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom '' a credit report relates. 15 U.S.C. 1681e ( b ) ; Act of Oct. 26, 1970, Pub. L. No. 91-508, 601, 1970 U.S.C.C.A.N. ( 84 Stat. 1130 ) 4394, 4415 ( legislative history ). A consumer reporting agency that negligently fails to comply with FCRA 's requirements is liable for actual damages, costs, and reasonable attorney 's fees. 15 U.S.C. 1681o. Willful noncompliance renders a consumer reporting agency additionally liable for punitive damages I am writing this complaint in hopes that others can learn from my experience.
Product: Mortgage

I have requested cancelation of PMI and paid for the necessary BPO fee. Newrez has done nothing so far regarding scheduling a visit for broker price opinion. They are unresponsive. I managed to escalate the issues to XXXX XXXX ( XXXX, Customer Service ). Unfortunately, she does not respond to her personal email and answer her office phone regardless of my multiple attempts. Another related issue is my previous escrow removal request since I am under 80 % XXXX. They sent me a letter saying only " the investor of your load denied the request '' with no additional explanation why they denied. I have perfect payment history and the loan is in third year with under 80 % XXXX so I do not understand why they cling to escrow funds. This also suspicious when they also take it slow to process my PMI removal. Finally, I requested a mortgage recast request but they did not formally send any letters explaining what my new monthly payment will be ( principal and interest ). All fees needed for these requests are paid ( XXXX, recast fee etc ). So in summary, here is what I request from this company : 1- Schedule the BPO visit and evaluate the value of the property. If it has not lost any value, REMOVE the PMI immediately since I am under 80 % XXXX. 
2- Cancel collecting for escrow or explain why you rejected my request with a detailed reason. Describe who the investor is. 
3- Double check your recast numbers and monthly payment and send me a letter explaining the new monthly payment. They did so many accounting errors so this is important too.
Product: Credit card

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) balance : {$3300.00} status : XXXX account # XXXX I contacted company informed card was Lost/stolen, and used without my knowledge, the company agreed to look into this, instead, they closed the card and sent it to collection, the balance was not mine informed company this was fraudulently charges
Product: Checking or savings account

On XX/XX/XXXX an ACH for {$25000.00} was sent from XXXX to our international account number ending in ... XXXX at Citibank XXXX This number changed on XX/XX/XXXX to account ending in ... XXXX when Citibank migrated the account from a Private banking account to a domestic account. The ACH was deposited in the old account number that nowadays belongs to someone else despite the fact that rest of the beneficiary information did not match ( name & address ) skipping the minimum steps for verification. To date, the money has not been returned to the sender at XXXX and no solution has been proposed by Citibank arguing that the current owner of our old account number dishonestly has denied to return the funds and the only response we get is that it is being handled by Citi XXXXs Executive Response Unit after two and half months have lapsed ; XX/XX/XXXX to date. 
We have exhausted all the efforts available through the limited Citibank communication channels, clearing minor roadblocks and finally getting some attention, but to date this issue remains unsolved. The money should be sent back to the originating account.
Product: Checking or savings account

Disputed a transaction from an order I did not receive from a company. They then proceeded to close my account due to disputing things I did not receive. The company agreed that I did not receive my order and refunded me and they took the money
Product: Debt collection

Received 1 phone call on Thursday from debt collector for a 60 day past due debt. Called back the next day Friday and offered to pay in full the balance due + reasonable collection fee Debt collector said he was not reducing the collection fee of {$660.00} for 1 phone call attempt. Will not reduce fee or explain how it calculates to {$660.00} {$2400.00} Statement {$660.00} Collection Fees {$3100.00} Total Due
Product: Credit reporting or other personal consumer reports

Both XXXX and XXXX have removed the erroneous reporting ( see attached copy of my current credit reports including your company for proof ) of an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX but for some reason Experian removed it, then later re-added back on my credit report despite both XXXX and XXXX stating the accounts were not verifiable.

I have not seen any proof of the source of your information that you are reporting on my file and have claimed to verify even though my earlier Affidavit ( attached ) proved that I was a victim of the XXXX XXXX breach and a victim of identity theft. 
This situation is a prime example of the practices for which the Consumer Financial Protection Bureau ( CFPB ) is currently suing Experian in the U.S. District Court for the Central District of California XXXX XXXX XXXX XXXXXXXX, filed XX/XX/XXXX ). Experian 's continued reporting of inaccurate and unverifiable information, as well as its failure to adhere to its obligations under the Fair Credit Reporting Act ( FCRA ), reflects the same misconduct alleged in this case. To further show that Experian is willfully attempting to violate the FCRA by not conducting investigations and attempt to confuse and fraud consumers I have attached the Experian Dispute responses that I was provided by Experian regarding these disputed accounts. In the Dispute Report # XXXX dated XX/XX/XXXX ( attached ) ; Experian DOES NOT list any of the Creditor/Vendor information or Acct numbers for any of the accounts or Inquiries that they deleted. But if you look on both of the Dispute Reports # XXXX and XXXX XXXX where they added the accounts back on, they expose their attempts at confusion and fraud by adding the removed accounts back on. In the Disputed Accounts section on both they do not include the Creditor/Vendor information or Acct number, while putting the status as updated. Yet under the Potentially Negative Accounts section, on pages XXXX and, where they are showing what is on the account once again, they have the full account information. I therefore request that you immediately remove the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report with Experian immediately. I have attached my Experian credit reports from before the original dispute showing it on, my Experian report showing it off, then my current Experian report showing it back on. I've also attached my current XXXX report showing it removed. Also attached are the Experian dispute results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit companies have for years refused to correct my personal information. Transunion has stated that " it's against the law to remove or update names and addresses they are connected to accounts on my file. The other XXXX just say they will and don't follow up even after I called them after XXXX days. 

I see that Charges offs are being added to my reports after paying the original companies, All XXXX Agencies see ( after I have called them ) this and have done nothing to remove this, again all XXXX. 

Late payments - missed payments - collections - charges offs should not be listed anywhere on my reports. Soft inquiries and Hard inquiries should not be anywhere on my XXXX or more reports.
Product: Student loan

I am mailing you all the latest information that I received back from Navient. They have been over my loans for a number of years and I have made my payments in which they state otherwise. I have records showing that I sent them the consolidation loan paperwork on XXXX XXXX 2017. Per the paperwork I received from them will prove that same information though they previously stated I had not sent them anything. Someone sent a previous document with my name on it in which that was not me. I had only sent them documentation in XX/XX/XXXX not XX/XX/XXXX.  They say that someone emailed them paperwork, but I sent my information to them by mail certified through the US Postal Service. At this time Navient should still be over my loans and also grant my Public Service Loan Forgiveness as I have also requested due to working in the XXXX field over three years in providing service to the public. I want them to acknowledge that they accepted falsified documents where my identity could possibly be jeopardized due to their negligence for not further investigating after they were aware that I had only been mailing in any items to them through the years. Due to Navient constantly lying regarding my files I began sending them all information via certified mail so that I had further proof for my personal records. Everything Navient has done leading up to this point has been a complete scam in running up interest rates beyond what we are able to pay even if we work etc.