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

I'm in the process of purchasing a house so I had my credit report pulled on XX/XX/XXXX and there's an outstanding loan with Covington Credit dated on XX/XX/XXXX in the amount of {$690.00}. I submitted a dispute through XXXX ( application company used to check my credit report ) since this debt is past the XXXX XXXX XXXX XXXX XXXX XXXX to collect on a debt. I received a notice from XXXX on XX/XX/XXXX stating my dispute had been resolved and now it showed there was a XXXX balance for Covington. 

I received a statement from XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX stating they purchased the debt from Covington yet it now had a different account number along with the amount now being {$860.00}. I sent them a letter stating the debt they purchased was no longer allowed to be collected due to being past the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Never received a reply but as of XX/XX/XXXX they added it to my credit report which has caused my XXXX XXXX to drop by XXXX points along with it now looking like I have XXXX separate loans that are outstanding when it's the same loan. 

Covington Credit should never have sold this debt to XXXX XXXX XXXX XXXX XXXX since they had never contacted me plus it's now past the 5 year Oklahoma XXXX XXXX XXXX to attempt to collect a debt. Both companies are at fault but due to XXXX XXXX XXXX XXXX XXXX purchasing it, it's now up to them to correct it according to XXXX XXXX  along with the FDCPA - Oklahoma Debt Collection Law
Product: Debt collection

LVNV FUNDING LLC, Transferred alleged account numbers XXXX and XXXX to a different lender and I was not notified with any documents. The last correspondence was sent to the LVNV FUNDING LLC from me in the form of a dispute. Instead of the company responding to my dispute, they instead sent it to another lender without responding to my request. This is clearly a violation of THE FCRA 15 U.S. Code 1692c - Communication in connection with debt collection. It also violates 15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. As a furnished, this company has a duty to make sure ( me ) the consumer is fully aware of what changed on an alleged debt and to make sure the furnishing to any CONSUMER REPORTING AGENCY IS ACCURATE. I WANT THIS ACCOUNT DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 1618 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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, 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 a account without my written instructions
Product: Debt collection

since XXXX/XXXX/2015 ( DYCK O'NEAL Keeps calling, I get a call everyday to every other day to maybe XXXX days. I have a print out of the phone calls coming in. I have them blocked on phone because it happens so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the time my ex-husband was living in the house and he was supposed to make the mortgage payments because, at that time, we were separated and I moved out of the house since he wouldn't. And unbeknownst to me, he lied about making the mortgage payments. The divorce went through and he was ordered by the court to move out of the house. Since then, I moved back in and out, and payments were made on time by me. I informed the bank about this and they recently reported this to all three credit bureaus, which have a huge negative impact on my credit. I'm requesting for this to be corrected.
Product: Checking or savings account

My Citibank checking account was involved in fraudulent activity in XXXX I received a check for {$2500.00} which I deposited right after that a XXXX transfer was made for {$2000.00} leaving my account with {$500.00} and {$600.00} I had for my rent. The bank debited the fraudulent check for the of {$2500.00} and now this account is negative. I contracted them for about 2-3 weeks about this they stated that the check was fraudulent but couldnt prove the XXXX was and that was that and that in 60 days I would be sent to collection for it. Now Citibank has started to garnish my other checking account I have with them that is not linked to the other one and when I reached out to them to today XXXX one representative told me it shouldnt have happened they can have it reversed and the other rep told me that I cant have my money back. So I am stuck and defeated.
Product: Vehicle loan or lease

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Georgia XXXX Loan Number : XXXX Re : Hardship/ Payoff XXXX XXXX XXXX XXXX XX/XX/XXXX &XX/XX/XXXXTo  whom it may concern : I would like to say first ; thank you for reading this letter. 

Im nearly XXXX years old and unemployed. I wanted to reach out to Management and explain my situation. Im divorced from the co-borrower, I have no children, and have been on XXXX for the past 11 years, basically, trying to make ends meet with my only 1 source of income now. 

Ive had to move in with a friend. I asked friends and family for help to pay off this car. However, due to the COVID-19 virus, as we know, people are losing their jobs daily. The maximum I can get from friends/family is {$3000.00} ... 

If agreed, kindly mail me an agreed pay-off letter to the address above ( XXXX XXXX ) and I will have a Cashiers Check to be sent to you immediately, then my title for the car to proceed thereafter. 

Im humbly begging, pleading with BBVA/Compass Bank to accept a settlement of {$3000.00} to settle this car. 

I received a call from XXXX on XX/XX/XXXX. She lied to me and stated we dont do settlements, but I can give you some other options. I advised her prior to my sickness, I was a XXXX XXXX and XXXX and Im quite familiar with what can and can not be done. I also advised her I was going to file a complaint and reach out to the Corporate office directly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX I do not recognize these inquiries : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX & XXXX, XXXX XXXX XXXX  Acct # 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 a account without my written instructions.Evidence provided below with violations
Product: Credit reporting or other personal consumer reports

DELETE THESE INCOMPLETE AND INACCURATE ACCOUNTS, INQUIRIES FROM MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquiry : XX/XX/XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX & XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX, I Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX  Inquiry : XX/XX/XXXX ; XXXX  - XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX  Inquiry : XX/XX/XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Hello CFPB specialists, This complaint/dispute is regarding how Experian has treated a recent set of financial moves that I made to take advantage of two balance transfer offers, one with XXXX and the other with XXXX I consolidated and moved debt from 3 cards to the two above mentioned cards, and reduced to {$0.00} three other cards. The reductions in debt were recognized in my credit report, but it seems that only the increase in the credit utilization on the two cards was factored into a very large drop in my credit score ( XXXX points ). Additionally, in a recent Experian report, there was a mere XXXX point increase given. As my overall credit utilization ( i.e. total debt ) did not increase, this is really unfair to the consumer who is trying to reduce very high interest credit cards ( now 28 % + ). The credit bureaus have the capability to scan across all the accounts ( including non-credit card debt ) and should easily be able to take this into account. I am now addressing the high utilization of the credit on the XXXX cards which received the balance transfers, however, the issue of lack of fairness to the consumer remains ... the drops and increases in credit scores should be commensurate. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a CFPB complaint to report an alarming incident of identity theft. Upon receiving my credit report, I was astounded to discover multiple accounts that I did not initiate or have any knowledge of. It is imperative that you take immediate action to remove these fraudulent accounts as per the FCRA Section 605b which mandates Credit Reporting Agencies to delete any information listed on an ID Theft Report. I have attached relevant documents to support the blocking of the erroneous information being posted on my report. Kindly provide prompt assistance in resolving this issue. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX1. Rest assured that I did not initiate or authorize anyone to open these accounts on my behalf. It is essential to note that FCRA Section 605B ( a ) clearly states that Credit Reporting Agencies must block any information in a consumer 's file identified as resulting from identity theft not later than four business days after receipt. I expect you to take immediate action to adhere to the FCRA regulations and promptly block the identified fraudulent information from my credit report.
Product: Debt collection

This is the Third time I have had to deal with this debt collection company over medical bills. This company refuses to send me a written account of anything I May owe, so I could check with Medicare and verify correctly. Every time I call and remind them of this being against debt collection customer laws etc, all I get is Attitude from reps with no intent of fixing anything. I am thru trying to work with them, and as of this very moment my credit score has dropped XXXX point over accounts I were not even aware of. I was a XXXX patient at the XXXX XXXXXXXX, and was paying my deductibles and co-pays along the way working with my XXXX XXXX Medicare provider to keep account of bills I might owe, so this is totally against rules. I have not seen ANY bill statements from this debt collector as of today, and as far as I know all bills could be less than XXXX XXXX and therefore not qualify for reporting per New Reporting laws this year!
Product: Debt collection

I first contacted XXXX XXXX company regarding my move and asked if they could turn off Gas at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX as I moved out XX/XX/XXXX. The company responded that they could not do anything as there was human life in the house, that the current residents had to call and switch the gas bill to their name. I was under the impression that the current residents had did such thing because I did not receive any notice of payment needed. XX/XX/XXXX I received a report on my credit report. I called the company stating that I did not stay at XXXX XXXX XXXX XXXX, XXXX, PA XXXX during the time from XX/XX/XXXX to XX/XX/XXXX. I also stated that I called asked for them to take the gas out of my name and they refused to do so as it was human life in the resident. I do not feel liable for any expenses accrued after XX/XX/XXXX as I no longer stayed at the property past that time and also informed them the company that I no longer resided at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX please remove all credit and financial obligations as I did not reside and informed them that I did not live at the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX, CA XXXX XXXX XX/XX/2023 Dear XXXX, I am writing to dispute the account listed on my credit report with the account number XXXX. I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA : 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A of the FCRA states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC Section 1666B of the FCRA states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I have not authorized the account in question to be listed on my credit report, and I have never been late on any payments. Therefore, I request that you immediately remove this account from my credit report. Please provide me with written confirmation that this account has been removed from my credit report. If you are unable to remove this account, please provide me with the name and address of the creditor so that I may contact them directly. 

Thank you for your prompt attention to this matter! 

Sincerely, XXXX XXXX XXXX References : Fair Credit Reporting Act ( FCRA )
Product: Debt collection

On XX/XX/2020, I contacted Uptain Group to resolve an outstanding balance under {$60.00}. XXXX maintained a professional tone, but when I asked if Uptain Group reports unpaid collections to the credit bureau, her response was " This account hasn't been reported at this time. '' I then asked again if their company reports to the credit bureau. After asking the third time, she said they do not report. Her initial response was beyond false and misleading by answering " This account hasn't been reported at this time. '' The statement left much room for speculation that the account would/could be reported at some time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment history is excellent and I have no derogatory accounts that I can see to fix on my credit reportIt all looks to be excellent. My accounts are over 30 yrs old and while my debt is over 30 %. Its still at just 42 %. I have a stable well-paying job. Yet my XXXX XXXX is so low ( and CONTINUES to be ) that I cant even get a consolidation loan to address the debt I DO have. My XXXX XXXX hovers below or just slightly above XXXXwhich is ridiculous with my excellent history. I used to have a XXXX XXXX of XXXX. I have NEVER filed for bankruptcy, yet i have a XXXX XXXX lower than those that have! This is negatively affecting my life and my kids lives. I may lose my job over this low scoreIf I do, Im suing.
Product: Debt collection

For the past year, my family members and I keep getting phone calls from a man who claims to be a server. He will leave voicemails on our phones looking for me, saying he is on his way to my home or employment to serve me papers for XXXX XXXX for a debt I owe. He then will leave an XXXX number ( number changes each time but its the same man/company ) to call to fix the matter. When I try to call his actual number itself that he calls from, it claims that its an internet number, so he calls from a fake internet number each time. So then Ill proceed to call the XXXX number and someone will answer the phone with just Hello this is so and so but they dont tell me the company name when they answer. So then Ill ask what Company is this? And they will say National. And I said National what? And they say National Proceedings. So then Ill give them my name and they claim I owe a payday loan from 2015 that I have never heard of and say if I pay the amount due right now that they will cancel the court papers being served and it will also save me money because if they take me to court, they will tack on more fees etc. I then tell them how am I going to pay yall money for something I dont owe or even heard of. So I tell them to stop calling me and have someone come to my home to serve me then if thats what they are going to do. So then they say okay and then I dont hear anything about it from them for months. And then they will call me and my family again months later and restart the entire process over again ... and there has been one time where I call the XXXX number again like Im told to do in the voicemail..and the person who answered was the same voiced man of the guy who called me one time saying he is a server and he will come to my home. I remember asking him ... um arent you the person who said they were going to serve me? So you work for this company? And he acted like he had no idea what I was talking about that I was mistaking him for someone else but he has a very distinct voice..it was definitely him. So this fake company is also pretending to be servers and using fake internet numbers to call first and then directing us to call their XXXX number acting like they arent correlated with each other. Im getting fed up with this because this has been the fourth time over the past year they have done this. Its embarrassing because they will call family members that are associated with me that I barely talk to. They even called my Ex husband and I had him calling me asking if Im in trouble with the law ... its embarrassing and it needs to stop. I continue to tell them every time they do this to stop contacting me and my family and they are still doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WFDS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Checking or savings account

My Chase bank account was compromised. An unauthorized individual requested a new debit card, transferred money from savings to checkings and spent more than {$3000.00} at various XXXX in XXXX through cash back on XX/XX/23. I have never been to Illinois and was concurrently using my card in XXXXXXXX XXXX where I live. I alerted chase of the activity as it was occuring. I have been refunded less than {$500.00} of this money from chase despite them acknowledging fraud existed. They only refunded money from some of the transactions. 

Chase failed to alert me of an address change, or alert me of this activity. They would not tell me where the debit card was mailed. A week prior to all of this I was locked out of my online account and when I inquired as to why this was happening they simply said " sometimes accounts need to be reset ''.
Product: Credit reporting or other personal consumer reports

i wrote your company last month on XX/XX/2024 and im being ignored which is a violations as my rights. By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation