23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Not sure of any dates when I noticed this on my credit report I disputed it and it came back denied like its mines I did not notice the debt until I decided to be more involved with my credit to buy a house this debt is from speedy cash ... in 2016 I believe XXXX or XXXX some time I had all my personals stolen including my social bank details from my check book and I blocked my social and set out fraud alerts when I re covered all the missing personals and felt safe I unblocked my social and for job purposes even if a u lost your social its not like they give u a new number anybody couldve still used my information they is real scammers I did not apply for speedy cash if this was approved online is there way to track the device and location is was done or a video footage
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the 3 CRAs for failing to follow FCRA laws and protocols, reporting countless inaccuracies on my report and furnishing my private information on a public record! The accounts at the bottom are at question : XXXX : XXXX XXXX ; Account Number : XXXX XXXX XXXXXXXX ; Account Number : XXXX XXXX : XXXX XXXX ; Account Number : XXXX XXXX  XXXX ; Account Number : XXXX XXXX XXXX XXXX XXXX XXXX ; Account XXXX XXXX XXXX Equifax : XXXX XXXX ; Account Number : XXXX XXXX XXXX ; Account Number : XXXX Also I have filed multiple disputes and have not received any documentation pertaining to my situation, which is also breaking Consumer Law Codes
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent over dispute and credit validation letters to all three credit bureaus and directly to each companys address. On the date of XX/XX/2019 to all three credit bureaus. I didnt not get any credit validation, I just got basically my credit report from each just stating its remaining on my credit with out verification or proof! I then sent dispute and credit validation letters on XX/XX/2019 and on XX/XX/2019 to all three credit bureaus and main reporting companies on the account and got the same results no proof of validation or verification! I just got back basically my credit report and for the credit validation I never got any reply from any of the reporting companies!
Product: Debt collection

i filed a complaint with you all and recieved everthing i didnt ask for with PRA they sent me 2 old stements ive never seen with 2 totally different amts owed this isnt the orignal contract to prove i owe thid debt
Product: Credit reporting or other personal consumer reports

I paid Lexington Law for over seven years and my credit is still not good
Product: Student loan

My husband has a private and federal loan with  Navient. We have struggled off and on to make payments this year. Navient will call each of us up to 10 times a day. When we do answer the phone they are not helpful and do not offer us any other options except to just pay the loan and then they will stop calling us. Now they have reached out to my husbands parents. They are not on the loans an d have never been on the loans. We do not even know how they obtained their information. They called them on a cell phone number with  XXXX   XXXX . They are harassing us and now they are harassing our parents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus investigation did not fix an error on my report This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} , and Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} .
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX Chase card receive a dispute letter sign by XXXX XXXX .I have retained new copies of my credit reports, and noticed that Chase Card did not furnish the credit bureaus with the required disclosure, within the period required by law. they are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on [ XX/XX/2018 ]. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX NY keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX.
Product: Debt collection

I contacted the company to resolve this debt and was informed that it was a medical debt that was given to a third party without my permission.

This HIPAA covered entity and their business associates shared my medical information without my permission or having signed a medical release. My privacy has been violated, security and records have been breached.

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this contract is valid.
Product: Mortgage

Several months ago I fell behind on my payments. I initially tried to send extra payments to mortgage company but the payments were sent back. I filed a loan modification application but was denied. An XXXX XXXX was sent to me so I used XXXX XXXX to assist me. We filed an appeal which was denied but of some in accuracies in the budget. XXXX XXXX ( XXXX XXXX XXXX ) has been trying to resolve this matter with franklin credit management but to no avail. We sent another timely appeal to franklin credit management but they still havent replied.
Product: Mortgage

I am getting the run around with mortgage settlement. I do not know where I stand because I am no longer receiving a mortgage statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 CAN LOG INTO ACCOUNT OR THE ACCOUNT HAS NO INFORMATION LISTED
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was reported XXXX past due, XX/XX/XXXX was reported XXXX  days past due, and XX/XX/XXXX reported XXXX past due. This does not correspond with the dates reported in XXXX and TRANSUNION, as they report XX/XX/XXXX - 30 day past due, XX/XX/XXXX - 60 days past due. and then XX/XX/XXXX XXXX days past due. Please remove the late payments reported as they are grossly incorrect. This account is marked as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing as well as the reporting dates are grossly incorrect. XXXX : XXXX states the account as Closed due to inactivity. This account needs to be updated to Paid, closed ; was Paid as agreed ; Because it was paid in full as agreed on. Meaning NO late payments should appear in this file because of the inaccuracies in properly reporting the status of account at closing and the factual reason for the account closing. shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. TRANSUNION : TRANSUNION shows XXXX XXXX XXXX day past due, XXXX XXXX XXXX days past due. and then XXXX XXXX XXXX days past due. TRANSUNION shows the account was Paid, closed ; was Paid as agreed. It is not possible to be paid as agreed and still have late payments simultaneously. Please update the account to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed. Please update these accounts to fully paid on as agreed. Meaning NO late payments should appear in this file because it was paid on fully as agreed.
Product: Vehicle loan or lease

My vehicle was a total loss on XX/XX/2023. My insurance company ( XXXX XXXX ) paid it off via check in the amount of {$15000.00}. Westlake Financial received and cashed the check on XX/XX/2023. The money was never applied to my account. The vehicle loan still shows as outstanding and now I am being called by Westlake Financial by their collection department and being told I am past due and need to make a payment ( payment due date would have been XX/XX/XXXX ). 
I request a payment investigation on XX/XX/XXXX by Westlake Financial to find the missing money. They have not found the funds as of XX/XX/2023. They are still charging interest daily and continue to call and tell me I am past due when in fact the vehicle was paid in full nearly 3weeks ago.
Product: Mortgage

My ex wife took out a VA loan on XXXX XXXX XXXX, XXXX, KY XXXX. She is a veteran. I am not. My name was not on the deed when this loan was taken out. My ex wife refinanced the loan with Rocket Mortgage. Rocket Mortgage let me know my name would go on the deed upon refinancing. That did not happen. However, they did put me on the mortgage. I found this out when the house was to go upon the market for sale. The listing agent told me I had no ownership of the home. Please see attached report from the XXXX XXXX Kentucky assessor showing I am not an owner of the property. A copy of the accepted purchase contract is also attached. I am not an owner of the property so only the owner of the property is on the purchase contract. The property is scheduled to close around mid XX/XX/XXXX. The closing title attorneys are XXXX XXXX XXXX in XXXX, KY. I believe their phone is XXXX. 

My ex wife quit paying on the home XXXX and XXXX of XXXX. We lived at different residences. I found out since she was not paying the house payment my credit was being negatively impacted. So I started paying the house payment for XXXX XXXX XXXX even though I had been living at a different address for over XXXX years. I did not want my credit ruined. I don't feel it is fair that I'm being negatively impacted on my XXXX XXXX for a home I do not own. 

I'm trying to purchase a home. I contacted my mortgage lender. Due to the XXXX late payments my ex wife did not pay, FHA will not approve me for my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX of 2020 I applied for Unemployment but never received my debit card. I kept calling everyday but was not getting through to resolve this problem. I finally get through to them only to fin out that my debit card was activated and used for multiple transactions cleaning out my account. After XXXX unsuccessful tries of getting my debit card sent to my address I changed my address to my grandmothers address and finally got my card. My fraud claim was denied for some odd reason even though this is the first card I've ever received. My wallet was stolen out of my vehicle and that's how I believe my personal info was compromised to even activate the card card. I feel this should be investigated further and funds be reimbursed due to this was not me who activated and use the debit card. Ive reconsidered my fraud claim and also filed police report and now filing with you guys for further help.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnish this amount that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX validation procedure which makes this unfair practice. According to the FDCPA, l 'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion began charging me $XXXX/mo after signing up for a basic credit freeze. We didn't discover this until we needed to unfreeze the account temporarily.At that point, Transunion could only refund the prior 90 days, so we fraudulently charged for two months of service
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S.
Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Credit reporting or other personal consumer reports

complaint # XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXXXXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Inquiry : XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Inquiry : XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ID : Current Address THE DISPUTED ITEM IS CURRENTLY NOT REPORTING ON EQUIFAX CREDIT FILE. ID : Current Address THE DISPUTED ITEM IS CURRENTLY NOT REPORTING ON EQUIFAX CREDIT FILE. Inquiry : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXXP THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Inquiry : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Inquiry : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. 


These inquiries are still reporting on my Equifax report as XX/XX/XXXX, please delete all inquiries on my report due to violation of FCRA laws.
Product: Mortgage

NewRez is my new mortgage company. They claim they didn't receive notice of my homeowners insurance policy. My policy runs from XXXX. They claim they do not have insurance information for XXXX. I am concerned this is a fraudulent claim they use often. I have read multiple customer reviews one where NewRez purchases mortgage insurance for their clients in error. These issues cause time and money to their consumers. I worry they are feeding off older citizens or less intelligent home owners that do not stay on top of these errors. This company is borderline fraudulent. Please consider an audit or other action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I placed a security freeze on my Equifax credit report in response to their massive data breach. In the past year I have tried twice to remove the freeze temporarily so that I could open new credit sources. The first time after hours on the phone with multiple customer service agents I finally determined that Equifax had changed the email account of record on my account without my knowledge or permission. This past weekend, I again tried to temporarily lift the freeze using the new email address but was locked out of the verification process. I again spoke with multiple agents to no avail. Finally one of them suggested I speak with a US based supervisor when they became available on Monday morning ( all weekend customer service is provided by foreign nationals who are clearly just following a script and have no discretionary authority ). I began at XXXX and spoke with XXXX, who transferred me to XXXX in the US.She listened to my story, acknowledged that she could not help me either, and put me on hold for a supervisor. After being on hold for 2 hours I gave up and filed this complaint. This is straight out of XXXX. Equifax mishandled my data and compromised my identity. I reacted by trying to protect myself and now they are punishing me by denying me access to new credit. Who's paying the price for their breach?
Product: Credit card

This company misrepresented their terms and charged fees that were not agreed to. I sent a request to close the account with a check for the balance owed last fall. Instead of closing or cashing the check they charged additional huge fees to renew the card. I have sent several follow up requests for them to close the account and asked for follow up on why the check has not been cashed. I have sent these return receipt and have not gotten any response. They have continued to add fees and now have reported it as late/bad account on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and myFico because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND EQUIFAX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX was issued by XXXX XXXX which cancelled this debt. I also sent XXXX and revoked permission for transfer of securities and legal tender deposit to treasury direct account. However this loan debt is on my credit report and considered as fraudulent