23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received my move out statement from my landlord. We disagreed and i disputed the charges within a week. XXXX called and i let them know Ive sent a dispute and waiting for a response. No response from the landlord so i took initiative to call XXXX for a follow up. XXXX XXXX was not in office at time so i left a voicemail stating my concern and requesting a call back ASAP. No response from the landlord proving the debt or countering my dispute. No response for XXXX after i made efforts to resolve this matter. My credit has been terribly damaged and XXXX keep sending letters in the mail threatening to take legal action/garnish wages but cant do their due diligence. I havent even made a payment plan with XXXX. Both company and landlord has refused to communicate and have ignored my disputes. I want this removed from my credit immediately as i havent received proof or response to my disputes.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I never authorized such actions, and this constitutes a breach of the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. I have already contacted the companies involved, and they failed to provide proper validation or original proof for their reporting, which adds to my disappointment and frustration. 

Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Never paid late on this account. I want the prior late payments updated/waived immediately. 

Listed below are the Collections that are being challenged- I regret to express my disappointment in your inability to furnish documented proof of compliance with reporting standards and consumer laws. This represents a significant deficiency. I hereby request the immediate deletion of this flawed and inaccurate report. Failure to comply may compel legal action against your company for its noncompliance with specific legal requirements concerning compliance and consumer protection. The accuracy of information is crucial to preempt potential future issues. Unfortunately, it appears that the gravity of this situation has not been duly acknowledged, and I am apprehensive that legal action may be indispensable. 

XXXX XXXX XXXX - XXXX - DELETE IMMEDIATELY XXXX XXXX - XXXX DELETE IMMEDIATELY XXXX XXXX XXXX - XXXX - DELETE IMMEDIATELY
Product: Debt collection

On XX/XX/2021 I received a notification from XXXX of a collection for {$1000.00} for an XXXX XXXX XXXX bill in the state of Michigan. I live in the state of California. I have never been to Michigan. This is the third time in a couple of years that this incident has happened with the same exact debt amount - I believe once the debt was in Michigan and the other time the debt was in Florida. I had to file complaints with the FTC, the collection companies and with XXXX XXXX XXXX both other times. THIS IS NOT MY DEBT. I live in California and this is the 3rd time that this has happened. PLEASE HELP XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

Student loans were officially discharged in XXXX 2024. Mohela failed to delete tradeline from report after several requests ( verbal, and online disputes ). I have included documentation from the U.S Department of Education.
Product: Credit reporting or other personal consumer reports

I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company did not provide me with the adequate info to me to valid the account was mines. Between XXXX XXXX 2023 the LVNV Funding LLC collections account was reported closed and they still didnt verify the account with my signature or verbal authorizing.
Product: Credit reporting or other personal consumer reports

The law 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, 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. I am a victim of identity theft. Theres no way a charge off account can be my account if I was incarcerated when this account was obtained in my name. Remove these fraudulent accounts immediately or I will proceed to pursue legal actions against the company reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

So ive been fighting a fraud case with XXXX XXXX for more than 4 months now, back in XXXX someone had hacked into my laptop giving me a virus and hacking into my credit cards saved on to the device. That hacker took multiple cards and charged thousands of dollars to the merchant in the name of XXXX XXXX XXXX. All financial creditors have resolved these fraud charges except XXXX XXXX. What makes this case more of a headache is that i have XXXX XXXX cards that were charged with the same amount from the same merchant ( XXXX XXXX XXXX XXXXXXXX XXXX ). The charges on the XXXX was resolved within days of the case being open but the XXXX  card is going on 4 months with no response. XXXX has also decided to post these FRAUD charges to the credit bureaus and caused my score to drop more than XXXX points and has put me in a tough financial position. This is not fair and ive been contacting XXXX every week for an update but they have refuse to give me an answer.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and Equifax several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a Brand New XXXX Vehicle from AutoNation XXXX XXXX, my business with the dealership was finished and completed and I drove the car home, but XXXX month later on XX/XX/XXXX XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report Twice in one day WITHOUT MY PERMISSION, and because of it my Credit Score went down 54 points causing me damages. I have asked TransUnion Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File but they won't let you file a dispute online over Fraudulent Unauthorized Inquiries ( see file attached ), which is completely unacceptable and illegal. Their behavior is abusive and a clear VIOLATION of The Fair Credit Reporting Act, which specifically states Hard Inquiries can not occur without permission AutoNation XXXX XXXX does not have my permission to run my credit XXXX months after my purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

The series of request letters that have been sent to Equifax has resulted in zero success. All letters have been mailed with copies of my ID and Social Security Card for verification. Ive sent a letter on XX/XX/2020 via certified mail and in my dispute letter, I've demanded to be sent copies of the original documents ( with my signature on them ) showing that the account on my credit report belongs to me. However, in the result of that investigation, they stated that they verified that the account belongs to me and is reporting accurately but they have not met my demands by providing me with the original documents nor did they provide me with the names, addresses, and phone numbers of those contacted. 

Following this, on XX/XX/XXXX I sent a Method of Verification Request letter via certified mail regarding their response. I had addressed FCRA 611 ( a ) ( 6 ) ( b ( iii ), which provides that a consumer may request a  description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, Ive asked that they provide the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
4. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

However, as a result, they have concluded the reinvestigation by stating that they have verified that the account belongs to me and is reporting accurately without providing me with the methods of verification ; names, addresses, and phone numbers of those contacted, or a copy of the original documents with my signature on them. It is clear that this is an automated response or e-Oscar verification method, which is unacceptable. I just dont understand how XXXX has removed the account from my credit report while Equifax refuses to even follow the simplest demands. Due to the information that I have and the frustrating process, I hope to resolve this issue effectively and efficiently.
Product: Credit reporting or other personal consumer reports

This communication is in reference to my LexisNexis XXXX Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. This communication shall serve as my formal written notice to LexisNexis that my LexisNexis XXXX Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis XXXX Report. The item in dispute is the Incorrect Public Record Lien/Judgment/Civil Filing that LexisNexis is reporting on my LexisNexis Accurint Report ( See attached Supporting Document # 1 ). This is my fourth notice to LexisNexis regarding the Incorrect Public Record - Lien/Judgment/Civil filing that LexisNexis is reporting on my LexisNexis XXXX Report. This information is inaccurate because I have NEVER lived at the listed address and I have NEVER been associated with this address in any way. Additionally, LexisNexis has previously reinvestigated this inaccuracy and determined it to be UNVERIFIED ( See attached Supporting Document # 2 ). And, in a letter from LexisNexis to the CFPB ( See attached Supporting Document # 3, page 2 ), LexisNexis states : Lien, Judgement, and Civil Filings Records : In response to the complaint filed with your office, LexisNexis initiated a dispute of filing number XXXX on XXXX XXXX behalf. During our investigation, LexisNexis deleted that filing number XXXX. A resolution letter outlining the results of our reinvestigation and XXXX XXXX statutory rights will be mailed to his directly for his review. Upon review of all available court-related documents ( See attached Supporting Document # XXXX ) obtained from the XXXX XXXX XXXX Illinois XXXX XXXX XXXX there appears to be a legitimate court filing, however, aside from having a similar name, there is nothing in any of the documents that indicates that this filling is associated with me in any way. 
I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis XXXX Report.
Product: Credit card

I spoke with Lowes Credit XXXX on XX/XX/XXXX.2017 about raising my credit limit to {$1000.00}. I asked them to run a soft inquiry only because I am applying for a mortgage on Monday and do not want any hard inquiries to affect my credit score. I specifically asked for only A SOFT INQUIRY AND TOLD THEM NOT TO RUN A HARD INQUIRY. My XXXX score was XXXX as of XXXX/XXXX/2017. 
I check my reports everyday because I am meeting the mortgage officer this coming Monday to get a pre approval for a mortgage.. I wish I never ever spoke to Lowes. I never would ask for a hard inquiry knowing the depth of injury it would put on my FICO score. 
Today I looked at my credit score and it has been reduced to XXXX. I looked into my repot. Lowes ran a hard copy of my credit and reduced me by over 20 points in my FICO. This is so unfair to me. The whole credit reporting business has been a nightmare to deal with. Everyday thee is an issue. Just when I am finally in the home stretch and meeting my broker on Monday, THIS HAPPENS. tHIS WAS NOT WORHT THE PHONE CALL TO lOWES. tHEY MADE AN ERROR WITH MAKING A HARD COPY. 
This hard copy info needs to be removed so I can qualify for my loan. I am so tired of being beat up by the credit card company poor reporting and constant mistakes through XXXX, XXXX XXXX and XXXX. 
You are the only people that help. Please please please help me.
Product: Credit card

To the payment and correspondence department my name is XXXX XXXX for the past 60 days. All Ive been doing is attempting to pay my bill. My account was locked out due to incorrect account information. I have mailed in a payment via your envelope that you sent me with my account number two weeks ago that wasnt processed. I spent {$68.00} next day airing a Money order delivered and I have a confirmation showing was delivered 10 days later. My family is losing their home. We are so in trouble because of this payment you filed a late payment history please help me remove this late payment we have never missed a payment in the history of our credit report. I can not begin to explain to you our family is losing their home because of this. Please help us understand why XXXX payments that have confirmations and confirmed delivery to your payment. Correspondence department have not been processed on our account. 

We have contacted the US department of veterans assistance affairs. We have contacted the US state attorneys office. We have contacted the Better Business Bureau and we have doing everything we can to file a complaint against your company unless this is resolved immediately. Please help us Im begging you to have some kindness and compassion in your heart to help my family understand why after XXXX years of being a customer you are XXXX  us and putting us through this rig around.
Product: Debt collection

I closed my account with XXXX before moving from my apartment last year, sent back all equipment and paid all of the bills due. Almost a year later with no communication from XXXX, a collection for {$340.00} showed up on my credit report. I don't know where this came from or how it could possibly be mine. The collection is the XXXX XXXX XXXX and after disputing through XXXX it came back that the account is accurate with no further information. I called the collections company and they said it is from when I closed my account. I have contacted an attorney and they said that a lot of times these are from equipment but I do not have the serial number still as it was over a year ago that I sent the equipment back.
Product: Credit card or prepaid card

Previously I submitted documentation disputing the {$730.00} charge from XXXX XXXX   XXXX # XXXX on XX/XX/18. I originally submitted the dispute on XX/XX/18, then again with more information on XX/XX/18 and again on XX/XX/18. The charge was disputed as I had returned the purchased merchandise but not received a credit from the merchant. I provided all the relevant information including my call log with the merchant and original billing statement. Chase either neglected to acknowledge the dispute or the acknowledgment sent did not have any information identifying this charge. The same is true for Chase 's written request for further information. 
Despite not providing any information identifying the charge in either the acknowledgment of dispute or request for further information on XX/XX/18 Chase sent a letter stating I had failed to provide information on the dispute. I'm attaching all disputes filed as well as evidence the information was received. Thus Chase failed to comply with 15 United States Code 1666 Correction of billing errors statute.
Product: Student loan

It started by them tell me I did not have to make a payment until after I graduated, which was a lie I had to start making payments before I graduated college, not able to meet the required payments I got small jobs that I could work around my classes just so I could make a payment, While I made these small payments. I received harassing phone calls from them telling me I needed to make a payment. My loans are not put together for one lump sum payment, so I have to make multiple payments each month to different loans. They were all through XXXX XXXX XXXX I have been sold out to different loan companies while I was making payments and no one will send me proof of my original title. They have also sent me to court while I was making payment to them. Since I did n't know my payments were n't be shared I am now paying through collection agents and to a lawyer on two of the four loans. They keep going up on the amounts owed each month, so it is continuing getting harder to meet the required payments.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Debt collection

I.C. System INC is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. I.C. System INC does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Mortgage

Im reaching out for some guidance and assistance with my modification. I live in XXXX Arizona, In the beginning of the Pandemic, I medical condition, I had to have XXXX and I had missed out on work. I had No incoming in! At the very start of the pandemic I was 3 months behind in my mortgage and us bank who my mortgage is through, helped with getting my mortgage Deferred. My deferment ended in XXXX, since then I been sending in modification packets, Im on my third packet. It one thing after another, I been told my packet was incomplete, because I sent in one profit and loss sheet, it should have been 3 separate profit and loss sheet for each month. then because my hardship letter didnt state when my hardship ended, but I did show my paystubs from working two jobs. They asked if I owned the business or self employed, because one company I work for dont take out Texas . I had to explain that and get a letter from the company explaining why! The company explained Im hired as a independent XXXX and its my responsibility to pay my Texas quarterly or yearly, the company dont take out it out. Now as of Friday I received an email stating that I didnt sign and date my profit and loss sheet. In the same email, it stated I needed the current loss and profit sheet. Ive created new profit and loss sheets from XXXX to XXXX and I also sent the old profit and loss sheets from XXXX to XXXX, I signed and dates them all to be safe. I called customer service to ensure thats all was needed and they Assured me that that was all needed. I call Us bank a couple times a week just make sure Im doing my part. I feel like every time I speak to a customer service rep, Im told slightly different information. I also received a letter from the Foreclosure attorney, stating I need to pay the total amount owed by XXXX XXXX With a cashiers check, if I cant do that, they Will proceed with the foreclosure. I contact the foreclosure attorney and they stated to me verbally that because US Bank is still reviewing my packet that the foreclosure is on hold until US Bank make a decision. I live in my home and I would like to keep my home! The banker thats assigned to me, I have never spoken to them, and assigned to someone new and havent had the opportunity to speak to him as well. Im not sure if Im Comprehending properly or theyre not explaining to me clearly. I understand the modification may reduce my mortgage paymentI need some help and Im in desperate need of assistance, please please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed an account from XXXX XXXX  with cashiers check as I was moving to another location which did not have XXXX XXXX. I then opened an account at local XXXX XXXX XXXX branch and the cashiers check I had didn't deposit until about 90 days, XXXX XXXX XXXX requested documentation and the proof that it was a valid check. I called the previous bank ( XXXX XXXX  ) and the branch manager sent over motorized check/copy and letter confirming it was a valid check not suspected fraud as XXXX XXXX XXXX implied. XXXX  XXXX XXXX closed the account and placed suspected fraud on the XXXX which severely refrains me from opening an account at any other bank. This information is false and need to be removed from my history as I am not a fraud.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00}.