23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account I have disputed over the past 60 days with a company by the name of Prince Parker & Associates does not belong to me and was the result of identity fraud/ Despite my previous disputes with both TXXXX and Prince Parker Associates the fraudulent account still remains on my credit file. Prince Parker Associates has intentionally violated THE FAIR DEBT COLLECTION PRACTICE ACT 15 USC 1692e 8 which states " Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a debt is disputed. On the other hand XXXX  has failed to respond within 30 days of my initial dispute which is a violation of the Fair Credit Reporting Act in addition to not blocking fraudulent information upon being notified by consumer within 4 days per section 605b. These actions are considered illegal under the laws that govern the consumer reporting agencies as well as Debt collectors and both parties should and must be held accountable.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I filed a dispute with Trans Union for inaccuracies to my XXXX XXXX XXXX that has been reported to my credit file. I received and email on XXXX stating that the information was accurate. I called Trans Union and spoke with a supervisor named XXXX. I asked for the source of their verification. XXXX stated that they use a third party to verify information but refused to provide the name of the third party. He insisted that I call the courts to get that information. The courts state that they do not report to any third parties so the only way to find out is through Trans Union. I believe that Trans Union has not investigated my complaint at all. Im seeking the name of the third party to verify.
Product: Mortgage

Select Portfolio Servicing received an insurance payment covering a water damage claim on XX/XX/year>. A check was overnight mailed to Select Portfolio Servicing, in the amount of {$32000.00}. This payment as directed by our insurance provider was to simply be endorsed by Select Portfolio and returned to us in order to pay the contractors and begin the repairs to our home. The check requires 2 signatures, one of Select Portfolio as the mortgage company, and one by us as the homeowner. Select Portfolio has now held the check for XXXX week without any actions to complete the process. We have been waiting for XXXX months now to begin our home repairs, and the current actions by Select Portfolio are furthering the wait time for the repairs to begin. We have begun receiving collection calls from our contractor because of the additional delays caused by Select Portfolio. We have spoken to Select Portfolio on multiple occasions, and no one seems to know what the answer is to move forward. Apparently, there is a cap on the amount that Select Portfolio will endorse, and our total including the original mitigation costs exceed the cap by {$300.00}. We have been told that our check will be held for at least another 5 business days in order for them to review what needs to be done. We have been told that our issue is being expedited, yet they have held the check for a week now and are still playing games and delaying our home repair process. By the time a decision is made by Select Portfolio, it will have added another XXXX weeks of delay to our family moving forward with home repairs. Our question is what is the reasoning for the delay? Select Portfolio states they have a financial interest in our home, yet we hold a bigger financial interest, and majority of the loan, so why would Select Portfolio not want the home repaired immediately? Select Portfolio has been highly unprofessional, and extremely unethical in handling a legitimate insurance and homeowner claim.
Product: Debt collection

I am writing to formally file a complaint against Columbia Debt Recovery DBA Genesis for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically concerning the accuracy of information reported on my credit report. Despite my repeated efforts to resolve these issues, the inaccuracies persist, leading me to seek your intervention. 

Details of Complaint : Inaccurate Reporting of Account with XXXX at XXXX XXXX : The account with XXXX at XXXX XXXX is being reported on my credit report with incorrect information. I am not acknowledging this debt, and I have reached out to the original creditor. The address and apartment number listed on the lease are incorrect, yet the information continues to be reported to the credit bureaus in its inaccurate form. I have sent letters to request the correction, but Genesis has not taken any corrective action. This violates my rights under the FCRA as the information being reported is neither fair nor accurate.

Additionally, Genesis has made excessive and repeated phone calls regarding this account, which violates the Fair Debt Collection Practices Act ( FDCPA ), as these calls are designed to harass and annoy me. The frequency of the calls, within a short period, adds to the distress caused by the inaccurate reporting.

Inconsistent Reporting : Upon further inquiry, I received a copy of the lease associated with this account. The apartment number and address listed on the lease do not match what is being reported to the credit bureaus. The discrepancy between the address on the lease and the address being reported raises concerns about the integrity of Genesiss reporting and investigation practices.

This situation has caused significant harm to my credit profile and my overall financial well-being. The failure to correct these inaccuracies has resulted in undue stress and financial repercussions for me.

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter and provide me with the results. In addition, I seek compensation for the financial losses and distress I have experienced as a result of this inaccurate reporting and Genesiss mishandling of my account. I also ask that a fine be assessed for their violation of the FCRAs fair reporting requirements and the FDCPAs restrictions on excessive phone calls per call log I appreciate your attention to this matter and look forward to your prompt response. Should you require any additional information or documentation to assist with the investigation, please do not hesitate to contact me.

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

CCS Collect Debt Collectors have added a Collections account to my credit report with XXXX, XXXX, and XXXX  that does not belong to me, is NOT my debt and SHOUD NOT be reported on my credit report, especially as a COllections account. Had CCS done even the minute amount of Due Diligence required in verifying debt, it would have known that this collection for Lab Work for XXXX XXXX is NOT MINE. Had i ever received a bill from XXXX, it would have been paid. Had I ever received ANY form of communication from CCS ( including debt verification - which I did NOT ), I would have immediately contacted them and disputed the debt. As i never received any form of collection debt notice or verification required under the FDCPA and the FCCPA, I was unaware of this " debt collection '' until i saw the erroneous Collections alert on my credit report. As I am in the process of qualifying for a new lease, this has caused me monetary damage, loss of time in dealing with this issue, loss of income, among other damages. If this is not IMMEDIATELY removed from my credit report ( I have already had it removed from my XXXX report but remains on my XXXX and XXXX ), I will be seeking legal counsel advice and I will sue CCS and XXXX XXXX for violation of the FDCPA, and the FCCPA.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting

I filed a complaint with CFPB in XXXX. The issue was resolved to reflect that the account was paid in full with a XXXX balance per XXXX response to CFPB. I got a alert stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX
Product: Credit card or prepaid card

Somebody run my credit for credit card application which is i did not do, the credit card is from Bank of America, I got an allert from my bank that someone run my credit, Can you help me fix that problem Thanks
Product: Debt collection

This is a response to National Credit Adjusters, as i am waiting for there response that i allegedly owe this debt. i would like to point out that they are in violation of : 15 USC 1692b ( 5 ) not use any language or SYMBOL on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
They are also in violation of : 15 USC 1692b ( 2 ) not state that such consumer owes any debt. 
You can see the violations from the exhibit I have submitted from National credit Adjusters
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX, I've been retired from the US Military since XXXX. I'm now an XXXX year old XXXX, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I XXXX in XXXX. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Money transfer, virtual currency, or money service

I sent money using the venmo app to have digital art made. I sent the person funds and never received the product I had ordered. I filed a dispute with venmo to attempt to mediate ( like a credit card does ) to work to get refunded or the goods delivered. 
Venmo did neither. I received a response within two hours of chatting with a venmo online chat rep. that read " For resolution, we ( venmo ) recommend that you reach out to the receipt of the payment, as we are not able to provide reimbursement or mediation in this instance. '' Moreover, " If you are unable to contact this person ( which I can not because they have blocked me on social media ) you may consider filing a report with your local law enforcement agency. Law enforcement can send a request for information to venmo. Once we've received this request we will be more than happy to assist the agency with their investigation. '' " I apologize that we are unable to assist further with this matter. '' So basically, venmo is allowing scammers to actively use their platform. Moreover, Venmo is falsely advertising that they offer the same benefits as a credit card for scam protection for the buyer, and/or seller.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

First, I want to state that this website did not provide the proper description of what my issue is, so I had to choose the option that affected my credit even though that is not the correct choice. I got overextended financially and became delinquent with my payment to XXXX XXXX, a credit card company. As a result, I was contacted by a representative of their company, XXXX XXXX, XXXX, XXXX. I acknowledged the debt, and on XX/XX/year>, I signed an agreement to pay them {$200.00} per month until the debt was paid in full. The written agreement was filed with the XXXX XXXX, GA Magistrate Court. Here is my complaint : Since I signed that agreement, I have NOT received a written statement listing my payments or outstanding balance. No one has ever answered the phone when I've called so I've been forced to leave messages. Only once has anyone ever attempted to return my call. Unfortunately, I missed their call but attempted to call them back, only to receive voicemail again. In XX/XX/year>, I sent them a written request for this information but have yet to receive a response. I signed their agreement in good faith and have never missed a payment since. I feel it is their responsibility to provide me with an accounting of my payments and outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance Owed : XXXX
Product: Credit card or prepaid card

I went to use my credit card to buy something and it would not work, so I logged into my Wells Fargo app and it said card has been reported as lost or stolen. This felt super alarming and violating as I had the card in my hand and I didnt report it as lost or stolen. Did someone get my SSN? I called right away to find out more information. 

I called Wells Fargo and I waited on hold for 45 minutes to be told they dont know anything someone called to cancel it and that the account is officially closed and if I want more credit I will need to apply again. They also said I needed to go into a bank to get more information. Feeling extremely XXXX off by their lack of information, I rushed to the nearest bank for answers. 

Keep in mind, at this point Im super upset as Im in the middle of moving and just paid off most of that card to free up room to purchase furniture for my new place. I also dont know if I want to do business with Wells Fargo or open a new card with them as this feels like they are the ones that messed up and I dont trust them. I have enough on my plate with the move, and now this. Will it affect my credit? Will I even be able to get another card? 

I arrive at the bank, and I wait 10 minutes to talk to a banker who starts making calls on my behalf. After 45 minutes of being transferred to multiple different people, someone on the phone asks for me to be conferenced in. The banker and person on the phone call my cell to conference me in, and the mumbling man on the line says something about me violating the terms and conditions, that the bank shut down my account, and gives me a complaint # as well as instructions of what will happen next. So basically, Wells Fargo lied to me about my card being reported as lost or stolen. The bank ( hopefully robots? ) closed my card without my consent or knowledge for violating terms and conditions. Is using a credit card and paying it off violating terms and conditions? I dont think so. I read the terms and conditions and I couldnt find how I could have possibly violated it. Sounds like Wells Fargo messed up and cant take accountability for it. 

Jump to now, Im totally screwed for setting my space up. I will have to dig into all of my savings to furnish my home, which will make me feel very unstable. I have tried to apply for another card, outside of Wells Fargo and I have been denied ( perhaps because I got a line of credit with XXXX XXXX the day before. ) but after being denied, I will definitely not apply for another card this year as I know it looks bad for creditors. 

They barely sent me an email today ( 2 business days after the incident ) explaining they need 10 days to respond and at that they might need more time. This all feels very shady. I will be switching banks ASAP.
Product: Student loan

Navient has been incorrectly applying my overpayments for years. After months of trying to rectify the situation, Navient had me go through an online process. Payment was made on their website and no error message appeared. 

The next month Navient charged me a late fee. The payment did not go through due to a technical issue on their end. 

As far as the overpayments, I have requested that the overpayments go towards the account with the lower payment. Navient refuses to apply the overpayments to the account at my direction. 

While trying to rectify this situation, Navient falsely represented that they reversed the improper charges. 

Bottom line is Navient is illegally charging a late fee and not crediting the appropriate account with the overpayments.
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies in the personal information on my credit report. My full legal name is XXXX XXXX. XXXX, yet my report contains incorrect variations or names that do not belong to me. Additionally, my current employer is XXXX XXXX  XXXX, but outdated or inaccurate employer information is listed. My correct address is XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, yet my report may contain incorrect or outdated addresses. These errors misrepresent my identity and may affect my creditworthiness and any perusable purpose for which my report is used, including employment, insurance, and lending decisions. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate information and request a reasonable reinvestigation. 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure maximum possible accuracy. If these inaccuracies persist, it constitutes willful non-compliance under 15 U.S.C. 1681n, entitling me to statutory damages of up to {$1000.00} per violation, plus attorneys fees and punitive damages.
Product: Credit reporting or other personal consumer reports

please remove the hard inquiry ( XXXX XXXX  inquiried on XX/XX/2023 ), the address ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) and the phone number ( XXXX ). these are not mine and fradulant items. thank you