23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was settled by XXXX XXXX in XXXXXXXX XXXX on XX/XX/XXXX between Stenger and Stenger Debt Collection in XXXX and my attorney XXXX XXXX. After I moved to XXXX in XXXX the debt collection was turned over to XXXX. The XXXX XXXX states I would pay {$1000.00} total to settle this account. I'm sure I have paid more than that. I have been dealing with XXXX for the past 3 years trying to get them to abide by the XXXX XXXX. I finally received a letter from them dated XX/XX/XXXX stating they would accept a total payment for {$370.00}, they laid out the payment plan which stated the last payment would be XX/XX/XXXX. I'm still getting automatic debits from my account. I sent them a detailed letter via USPS Priority Mail ( I do have signature confirmation they received it ) last XX/XX/XXXX asking for an accounting of what I have paid and if I had satisfied the {$370.00}. I never heard from them. I want them to abide by the XXXX XXXX and stop taking payments from my checking account. And release me from any and all liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from Experian in regards to the complaint I filed via the CFPB about their dispute process that contains many errors. In their stall tactic, dated XX/XX/2019, they stated they will not reinvestigate my dispute. I clearly stated the errors and exactly how I would like each item resolved ; they continue to allow accounts to report in error, a clear violation of my rights. Previously, they stated they contacted the company reporting the information I disputed, and instructed them to review the information provided to verify the accuracy of the information ; failing to conduct an independent investigation and allowing these companies to update their records in accordance with what was provided to be able to verify at a later date ; another violation of my rights. I also clearly stated to provide verification, and all they provided were phone numbers ; failing to accurately verify and provide verification via an original instrument of indebtedness in its original form, a consumer contract with my signature on it ; another violation of my rights. Lastly, I clearly stated to remove all non account holding inquiries or provide permissible purpose ; they have failed to provide either ; another violation of my rights. I understand this entity is a for profit business so they cater to their customers, the alleged furnishers in order to keep credit scores lower to conduct business with predatory lenders for obvious reasons, but we must hold entities like Experian accountable to be in accordance with Federal Law ; not all accounts must be reported, but of those that are, they must be 100 % accurate and 100 % verifiable or they must be deleted. THIS IS MY FINAL COMPLAINT VIA THE CFPB BEFORE PROCEEDING WITH FURTHER ACTION SHOULD EXPERIAN CONTINUE TO IGNORE AND/OR OVERLOOK MY REQUESTS AND CONTINUE TO BE UNABLE AND/OR UNWILLING TO COMPLY WITH FEDERAL LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent a letter referencing information I should have received about servicing enhancements. The referenced information was never received. As a result of " XXXX XXXX '', XXXX created new loan numbers that were credit reported in addition to the original loan numbers. Consequently, the addition of the new loan numbers had an adverse effect on my XXXX XXXX and rating. I am currently in the process of obtaining a home loan. Due to the negligence of XXXX XXXX XXXX XXXX XXXX incorrectly reporting XXXX accounts to the credit bureaus, including XXXX original accounts and XXXX new accounts, the adverse effect of the new loan numbers negatively interfered with the home loan process. Thus, I requested immediate removal of the new loan numbers from my credit. Additionally, due to the damages caused to me from the negligence of XXXX XXXX XXXX XXXX XXXX, I requested our relationship be terminated immediately. I offered to settle the original accounts with immediate removal of the all accounts from my credit to release XXXX XXXX XXXX XXXX XXXX from the damages caused by negligence in unauthorized new loan numbers and credit reporting. XXXX XXXX, XXXX Representative, has been rude and has not resolved the issue. After sending him documentation of the adverse effects to my credit and a resolution letter, he maintained that the company " reported correctly '' and the company rejected the offer to settle.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit card or prepaid card

I am writing today in regards to my account with Elan Fin Svc # XXXX. The reason for writing today is in regards to several late payments reporting on my credit report beginning in XX/XX/2020 through XX/XX/2020, due to Covid I was unable to make the payments. As soon as I was able to, I got my payments made and were caught up.
Product: Credit reporting or other personal consumer reports

In 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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 loans coming out on my credit report and it is the same loan and have different balances. I payed off the loan since XXXX and still have it on my credit report. I have no way of contacting the company because theyre phones dont work and the bank that works with them cant access my info since theyre not the same company.
Product: Mortgage

Mortgage company is not answering phones. Problem making payments. Website unavailable. I am hearing that the site was hacked. But no formal statement from the company.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and saw accounts reporting that I have not authorized or given these companies permission to publish on my credit report Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On or Around XX/XX/21 Capital One opened a secured credit card and a QuickSilver  credit card. These applications were both fraud neither was approved from me, and It was applied for and APPROVED for with a Fraudulent phone number, Fraudulent Email Address. I did not receive either of these credit cards and I did not apply for either of these accounts. Capital One proceeded to open both account 's without first verifying my identity, and Capital One did not clear my extended fraud victim statement on my credit report which specifically states that you must call TO VERIFY that I am the person applying before approving any applications. I notified Capital One both of these account 's were fraud and Capital One closed the secured card and sent me confirmation they confirmed the fraud on the account and the application was fraud and I am not responsible for the account, However Capital One also said that about the quicksilver one card and again sent a letter yet then Capital One sent the Quick Silver  card as a charge off to an attorney. I can not login to these account 's nor retrieve the credentials because again it's tied to fraudulent information. Which I do not own. XXXX ( Fraud Email ) XXXX Fraudulent phone number XXXX XXXX XXXX Fraudulent Address, and Yet both of these account 's were opened around the same time and Capital One had a data breach around this same time they opened the account 's without my consent. I did not apply for these account 's and I did not receive any cards or monetary benefits from said account 's. I did not sign any applications either. Capital One is attempting to collect on the quicksilver card {$2500.00}, Even THOUGH all major credit Bureaus have BLOCKED THE ACCOUNT AS IDENTITY THEFT, and yet Capital one is attempting ABUSIVE practices to collect the card in WHICH I DO NOT OWN. Capital One Confirmed fraud on the Secured card that was opened on or around the same time, yet assume that I am liable for another account they opened again without my consent? Capital One allowed charges to this account that I did not authorize. Capital One Also didn't verify my information because if they did they would know that I never lived at that address nor have I ever owned that phone number either. My Wallet was stolen and Identification was stolen. These applications are FRAUDULENT. I do not owe Capital One ANY Debt, and I do not take Responsibility for Capital One mishandling these accounts. The Secured Card was deleted and Capital One AGREED IT WAS FRAUD, however Capital One is trying to take advantage and assume they can collect on a UNSECURED CARD that I DID NOT AUTHORIZE OR APPROVE TO BE OPENED. Capital One did not send me any statement 's. Capital One did not allow me access to these account 's and Capital One has not sent me any documentation or Cards for these account 's. Yet Capital One Refuses to take fault for something they did not verify. I am a Victim and I do not accept the debt for this account or responsible for the debt occurred on the account, I do not accept charges I did not make, and I do not accept this debt.
Product: Mortgage

I owe approximately {$7100.00} on my Wells Fargo Home Mortgage. I have an amount well above the amount owed held in an account with Wells Fargo Advisors. I have been trying for weeks to move the money from the account to the mortgage to cover the past due amount and every single time I call I get a new answer. I've opened up a new brokerage cash services checking account, and told funds would sweep overnight for me to transfer, the account is opened but nothing happened. Meanwhile I continue to receive letters, phone calls, etc that I am in default on my mortgage. This is really scary to me and frustrating because I have the money in Wells Fargo but due to the department silos the mortgage folks can not apparently see that. I need to get this resolved asap. I was promised a call by the " executive resolution team '' last week XXXX and have yet to receive this call yet the issue continues to remain unresolved. This is causing me a tremendous amount of stress. I was unemployed for a period of time, and I am reemployed now. I need to make this payment asap, but keep going in circles and can not get anyone who can help me.,
Product: Debt collection

They keep calling my home phone looking for a XXXX. I have informed them many times that they have the wrong number and they started to call my home more. Now I get calls every other hour for XXXX. The number calling my phone is XXXX nco fnc svc. I work from home and this is a constant distraction to continually receive these types of calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} EQUIFAX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$950.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00}
Product: Debt collection

I have made several attempts to resolve please delete from XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of are personal credit card accounts opened at XXXX XXXX XXXX on XXXX under account number XXXX, XXXX XXXXXXXX XXXX opened on XXXX under account number XXXX, XXXX XXXX XXXX opened XXXX under account XXXX, XXXX XXXX bank opened XXXX XXXX, XXXX XXXX credit card opened XXXX, XXXX XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of are personal credit card accounts opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXXXXXX XXXX  opened on XXXX under account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX bank opened XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX, personal credit card accounts opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account XXXX, a personal credit XXXX XXXX XXXX opened on XX/XX/XXXX under acct number XXXX, XXXX opened XX/XX/XXXX under account # XXXX, personal credit card XXXX opened on XX/XX/XXXX under acct number XXXX, a personal loan with XXXX XXXX opened XX/XX/XXXX under account number XXXX, a personal loan with XXXX XXXX opened XX/XX/XXXX under account number XXXX, a personal loan with XXXX opened XX/XX/XXXX under account number XXXX, a personal loan with XXXX opened XX/XX/XXXX under account number XXXX, a personal loan with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I had settlement with prevouse debt collection to pay portion of amount and my account will be closed. I do n't remember the exact amount, approximately it was {$230.00} out of {$500.00} approximately. This happened around 7 years. But they keep transferring my account to other debt collectors.   I contacted the phone company and said I do not own anything. It 's affecting my  credit score  for price I paid. I need it to be removed from my credit report.   Thank you.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX acct # XXXX ( {$4900.00} ), XXXX  XXXX - acct # XXXX ( {$3200.00} ), XXXX XXXX  XXXX acct # XXXX ( {$370.00} ), XXXX XXXX XXXX acct # XXXX ( {$110.00} ) I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

Fed Loan Servicing continued to report in accurate inconsistent information on my XXXX & XXXX report.The current payment status on these loans is transferred and they continue to note that it is 120 days past due which is erroneous. They are to report 100 % accurate information by law but how accurate can the reporting be if there are so many inconsistencies. Their failure to accurately report my information is hindering me from obtaining financing from my business, especially for loans that are paid. I have sent numerous request to have this information corrected almost ever month in 2017 but they have proved unwilling to correct their mistakes.I have submitted a complete copy of my 40 plus page credit report where the inconsistencies are clearly outlined. The credit bureaus are claiming that they are only reporting what is provided by Fed loan and Fed Loan is claiming that they are only reporting what is indicated on my correct report from XXXX. Well ... which one is it? If there is NO PAST DUE AMOUNT REPORTED, how can it be 120 DAYS PAST DUE??? WHAT is 120 days PAST DUE??? XXXX DOLLARS? XXXX XXXX, Fix it!
Product: Checking or savings account

I deposited over {$2000.00} in my account, and saw a charge called miscellaneous charge for {$150.00} that I didnt spend and no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX  ( Original Creditor : XXXX ) XXXXBalance {$1200.00} XXXX  XXXX XXXX  XXXXBalance {$6500.00} XXXX  XXXX XXXX  XXXXBalance {$540.00} XXXXBalance {$0.00} XXXX XXXXBalance {$540.00} XXXX  XXXXBalance {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I have already paid a settlement offer XX/XX/2021 over the phone to get this debt deleted off of my account. 
XXXX  reference number - XXXX Capital One. 
Please update my account as Ive paid the agreement and illy account keep getting fasleey flagged every month for no reason, and spamming / harassing my phone.
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I have a payment due on XX/XX/17 I thought I would have enough funds to cover this friday XX/XX/XXXX payment I reached out yesterday through email about changing the payment date I received a response from an agent named XXXX XXXX told me that she is forwarding my inquiry to a team member that will determine the best resolution. And said that I should expect a follow up soon. That was yesterday. I received no response I sent another email this afternoon. Explaining that I need to move my payment to a later date. I still didnt receive a response. And I got a notification saying that my payment was initiated and it can not be changed. Your company has failed to respond to my emails. I have never had any issues with possible and Im very disappointed and Im very upset
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax 's refusal to comply with this law is a clear violation of my consumer rights.