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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$830.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXXXXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX : {$990.00} XXXX XXXX XXXXXXXX XXXX : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX ) XXXXXXXX XXXX XXXX  {$610.00} ; XXXX XXXXXXXX XXXX XXXX  {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  {$100.00} XXXX XXXXXXXX  XXXXXXXX XXXX XXXX  {$25.00} ; XXXX XXXXXXXX XXXX : {$1900.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a Certificate Letter to LexisNexis ( XXXX in order to validate the accuracy of the account which reported by US Bankruptcy Court negative information : US BANKRUPTCY Acc. # XXXX Its been more than 30 days since received my certificate letter to complete the investigation, and as of today I havent received any answer from them. 


On XX/XX/XXXX I proceed to send other Certificated Letter : ( XXXX indicating that they had violated a Federal Law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law, by not replying in a timely manner to my initial letters. Once again, I never received a reply. 


I am filling this complaint because LEXISNEXIS has ignored my request to provide me the documents that their company have on file and was used to verify the accounts I disputed. In two different occasions they havent verified this accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent a proof of delivery by USPS.

Please, resolve this matter as soon as possible and thanks for your time and consideration. 
Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2020 I received a letter via XXXX from XXXX XXXX XXXX regarding a Comenity Capital Bank My BJ '' s Perks Mastercard. On Monday, XX/XX/2020 I contacted XXXX XXXX XXXX via landline at XXXX to inquire about the threatening and intimidating letter that was mail to my residence. Upon speaking with a representative from XXXX XXXX XXXX I referenced the statement in the letter that stated " your validation rights as described in our previous letter to you '' I informed XXXX XXXX XXXX that I did not have a contract with them and that I had never heard of them before and nor did I have an other communications from them regarding this matter. I was then put on hold for several minutes only to be told that they had purchased my account from Comenity Capital Bank My BJ 's Perks Mastercard. When I asked for how much they refuse to disclose that information and threatened to sue me if I did not pay them what they were demanding. I continue to ask them for documentation regarding the validity of the debt yet they refused and said they had already sent that information of which I continued telling them that I did not have any correspondence form them. The letter that XXXX XXXX XXXX sent to my residence on XX/XX/2020 was dated XX/XX/2020. The language in the letter was threatening and very intimidating. I don't understand how someone that I have never contracted with nor did business with is able to have my financial information for the sole purpose of extorting monies form me with the threat of suit. These actions sound criminal in nature and should not persist. I do not owe XXXX XXXX XXXX any money as I have never contracted with them and did not do any business what so ever with them. On Wednesday, XX/XX/2020 I received a call from an obscure number and when I answered the phone it was someone form XXXX XXXX XXXX harassing me and demanding payment, when I asked for validation of the claim they hung up the telephone. I should not be subjected to such invasions of privacy in my owe home where I have the right to be secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 years i decided to monitor my credit report because I was interested in becoming a mortgage loan originator and I knew they will check my finances ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX upon checking my credit report I immediately saw inaccurate information, names, accounts that I have never seen a ridiculous amount of inquiries soft and hard mostly for cars, loans, credit cards and mortgages when I never initiated any of it. I downloaded the XXXX  app and it proceeded to tell my information was sold on the XXXX XXXX. I contacted all three credit bureaus via phone to alert them and freeze my reports but the dings to my credit didnt stop at all. I disputed each one on the app and I sent letters to prove it wasnt me and they still left the information there. This is hurting my livelihood overall and preventing me and my children the life I work hard for everyday and I would like all of the inquires and accounts of my credit report stemming from XXXX.
Product: Checking or savings account

Last week I had sent money through XXXX to my son, and transferred the rest of my XXXX check to my citibank. I later realized that I got an email saying XXXX  was un-enrolled, and then my account was unable to be accessed. After calling, the person on the phone told me that their was nothing he can do, and that I had to call XXXX. Today, I learn that my account was permanently closed, but that their was nothing they can do besides wait for a letter. 

When I initiated the transaction for the rest of my XXXX check, it was the majority of the money I had for the rest off the month in order to pay off a fee bills for my mortgage. However, this was the same day my account was restricted, so I told citibank XXXX  on that day that I will follow all the steps required, but that check was my XXXX check, please cancel the request because if I can not access your guys bank, I can not access the money. The representative confirmed with me that THEY WILL NOT go through with the transfer, and that it will bounce, THEY TOLD ME that nothing will happen with that transfer. Come to see that they over-drafted my bank the full amount of the transfer leading it to be negative and have a fee. I contacted them today, letting them know I am permanently XXXX so I can not visit a branch, I can not even walk, and that it my social security money. They said their is nothing they can do, even though they lied to me and said this transfer would not go through, in order to just hold the money for themselves. I provided below proof of the phone calls, my XXXX, how this is my XXXXXXXX XXXX check that they are putting on hold and not letting me access. Lastly, I would like to note the only reason that my bank account is negative is because I XXXX XXXX  to my son from my XXXX XXXX  AFTER the rep confirmed that money will not be taken, not before, as the time stamps from the phone calls I will provide show. I let them know that I am permanently XXXX to, and physically can not leave my room, let alone walk to a branch that they told me to do, I am to sick to travel out of state to another branch. I added my hospital records showing I am XXXX, because even though they took the money after stating they wont, the representative told me the only way to now access my social security money, is to go to a branch. That hospital record shows I can not, as I can not even leave from my bed most times without assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was apparently charged to me for a doctors visit while I was in XXXX XXXX, but the doctor seems to have a private medical firm outside of that company, which he bills separately to his own practice. 

These services were never requested and I tried to deny services and leave before I was ever given services. Unless I complied with what they wanted me to do, I was not able to leave-again, this service was forced on me and I was never told the doctors visit in XXXX XXXX was going to be billed from another practice. 

I denied these services multiple times and wad forced to sign papers or be locked up in the hospital. If they considered me not well enough to leave and make my own decisions, then any agreement made during those times are no longer valid, as they were signed under emotional distress by someone not capable of thinking clearly and were forced services. I should not be held accountable for this bill given the medical staff kept me there due to their opinion I was not in a sane frame of mind, which means I did n't understand what I was signing other than I wanted to get out as the treatment there is terrible.
Product: Debt collection

I received a phone call on my cell from Budget Control Services and did not answer because I was at work. I then received a phone call and voicemail on my recorded work line from the same person, XXXX XXXX, asking me to call back regarding an account. Thinking it was regarding an account that I work with, I called her back from my work number and then she proceeded to tell me about the debt that I owe for {$460.00}. Since the line is recorded, I hung up immediately because I did not want my employer to know my personal business. She then called back my work number twice, and both times I didnt answer. Sometime the week of XX/XX/XXXX she called my cell phone, which I answered, and she said that shes been trying to reach me and I hung up on her. I explained that she was calling my place of employment and to remove the number and never call it again. She proceeded to say that I had called her back from that number so she called it again. I again told her to remove the number and stop calling. She was unprofessional so I hung up again. She then called my husband and threatened to put his name on the account and start credit reporting if he didnt make a payment. He set up one payment with her, which was made on XX/XX/XXXX. On XX/XX/XXXX, the receptionist called me on my work line and said that a XXXX XXXX was asking for me. Irritated because I asked her to stop calling, I said transfer it to my work voicemail, which she did. She then called the receptionist back and said she got my voicemail and that she wanted to talk with me. The receptionist explained that I was either on the phone or in a meeting. XXXX XXXX then proceeded to say she didnt realize she called my place of employment and wound just call my husband for payment.
Product: Credit card

Ensuring that payments are consistently made on time has been a priority for me with this account, ensuring that no payments have ever been overdue. However, I'm perplexed by the existence of late payment remarks associated with my accounts. Considering the provisions of 15 USC 1666b pertaining to billing errors, I believe these remarks should be addressed.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, DPT EDXXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

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

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


( XXXX, DPT EDXXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a negative reporting against my account by XXXX. All three credit bureaus placed a statement that the amount is disputed by the consumer by have not removed it from my credit report. XXXX will not discuss the inaccurate information claiming that the account is with an outside agency, XXXX. XXXX now states that are no longer handling the account. The credit bureau investigation is really not unfair. The bureaus simply ask the creditor if the information is correct then continue to report the information. A consumer who faces so much financial hardship due to damaged credit should not have to go through hoops to correct an error on her credit report. It is unfair.
Product: Debt collection

I had returned a call from a robo dialer that I received on my cell phone ( in which is a absolute no no for collection agencies to call a cell phone from ). The lady on the other line did not ask if I was the right party only if I received the call at that number, she then proceeded to tell me of a debt that was owed for a apartment complex without proper verification. She did not give the Mini Miranda as required by the FDCPA either. This company has violated laws in accordance with the FDCPA, State and Federal laws First : Calling my cell phone from a Robo Dialer Second : third party disclosure Third : No mini Miranda was given.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX is reporting negative information on my credit profile. I've asked them to show the opening contract to prove I opened this account which I did not. They have failed to do so. Instead, they send invoices. Invoices only prove this card someone opened made charges it doesn't show I opened this account or else then yes it would prove I personally made these charges otherwise it's a fraudulent account. THE ATTACHED DOCUMENT IS WHAT THEY RESPONDED WITH ( NOT WHAT I REQUESTED ) NOT A CONTRACT I SIGNED WITHXX/XX/XXXX OR ANY OTHER COMPANY THEY DO BUSINESS WITH.
Product: Credit reporting

I have been having problem with XXXX since XX/XX/XXXX for repoerting wrong information. 
we have no Valid contract Since XXXX changed terms of my contract monthly paymentwithout my knowledge. wrongfully repossessed the car XX/XX/XXXX. First Delinquencywas on XX/XX/XXXX. The past two years I have uploaded the contract and the monthlypayment history showing the last payment date as proof to Experian but Experian has failed. Experian has refused to even dispute this account. and exprian could carelss if the wrong information is correct or not. 
information is correct or incorrect.
Product: Credit card

On XX/XX/XXXX I purchased shipping boxes on E-Bay for {$68.00} and paid with my PayPal Credit.I was charged {$62.00} out of my Pay Pal cash Wallet and also charged {$62.00} out of my PayPal Credit. I wrote to XXXX and called them as well. 
There are 2 different Transaction ID 's and two different Invoice ID 's for my on time purchase of my shipping boxes. I have brought that up to XXXX, by phone and e-mail and by regular mail. They did adjust my charge for {$68.00} on XX/XX/XXXX on my XXXX XXXX but then charged me again on XX/XX/XXXX for {$68.00} on my XXXX XXXX account. 

XXXX XXXX XXXX  XXXX XXXX ID 's Transaction ID : XXXX Amount : {$68.00} Transaction ID : XXXX Amount : {$68.00} Invoice ID : XXXX Amount : {$68.00} Invoice ID : XXXX Amount : {$68.00}
Product: Mortgage

In XXXX the homeowners insurance company I had with XXXX of the companies XXXX partners with raised my insurance from around {$800.00} to a little over a {$1000.00}. What I could not understand was why and none of XXXX 's agents could provide an answer. My house value had not increased at all. Later I received a bill from LoanCare where my mortgage went from {$850.00} to {$890.00}. I found out later it was due to the increase in the homeowners insurance. I now have a lower cost homeowners insurance yet my mortgage payment is almost {$900.00}. LoanCare I find has a XXXX rating and not only by me, but by several thousands of homeowners. Why? Why? Why? Would my mortgage be transferred to such an incompetent company. Not only that my mortgage has been sold three times and transferred three times as well. Is this what caused the crisis of 2008? If it is we maybe heading the same way, yet again. Something must be done and not only for me, but for others. Take action today by doing your own review and you will find LoanCare is a problem company. Thank you for your time. 

Sincerely, XXXX XXXX
Product: Debt collection

CHOICE RECOVERY IS ILLEGALLY REPORTING ON MY CREDIT REPORT
Product: Mortgage

With the impact of not being able to report for work as a result of COVID-19, I sought a forbearance plan with my lender. They agreed to a waiver of mortgage payments for up to 90 days but, in a letter to me, it states that they will report me to the credit reporting agencies as being " delinquent ''. Is that legal since I have a government backed loan ( VA )? It seems to me that this practice of giving me forbearance forces me to struggle to make payments when I'm forced to stay home or, accept the plan offered but risk lowering my XXXX score! What the XXXX kind of choice is that?
Product: Credit reporting or other personal consumer reports

I am submitting a complaint in reference to this company knowingly reporting inaccurate information data. XXXX XXXX credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE ; I demand proof " TO SEE '' VALID Authorization/ Proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq.

I AM MAINTAINING A CAREFUL RECORD ON MY COMMUNICATION WITH YOUR COMPANY.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter 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 is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

When a collection agency purchases a debt, they can not re-age the account to restart the clock, if this is not a practice used by XXXX XXXX XXXX then disclose all records tangible items, including emails, reports, and data, as well as answers to written questions and oral testimony to the contrary Since Federal laws override state statuary and 3rd party violations have occurred that means 18 U.S. Code 371 - Conspiracy to commit offense or to defraud United States has also been activated because of previous or prior insurance agreements in place and not disclosed and that also relates and brings up 18 U.S. Code 1001.After this account was placed in collections, did the alleged original creditor sell the debt or did it assign the debt, and how would it be known, If the correct validation is not attached just a statement with a debt collectors and an alleged creditors letterhead attached, proof is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$73.00} XXXX  XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX