23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

To whom it may concern, I am writing to express my concerns using zelle. The CFPBS findings have not only neglected to protect consumers, but have allowed repeat offenders to the system
Product: Debt collection

Rent Recover, LLC has attempted to collect a debt that has not been validated and is not mine. Rent Recover, LLC calls multiple times harassing and threatening me for a debt collection that is not mine.
Product: Credit reporting

I have never lived in XXXX. That information is not correct and should be corrected. My husband lived there at one time but we were separated. The only address that should be listed is XXXX XXXX XXXX, XXXX, MD XXXX. I have lived here all my life.
Product: Mortgage

A new privacy notice was received from DiTech Financial. The customer elections were to be sent to XXXX XXXX XXXX  XXXX, c/o Ditech Financial , LLC , XXXX XXXX XXXX XXXX, XXXX, AZ  XXXX. The enclosed return envelope is addressed to DiTech Financial , LLC, Customer Service, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

This is an action that is typical of the inattentiveness that is characteristic of this company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following items on my credit report. These items are inaccurate and I am requesting that they be investigated and corrected or removed as soon as possible. Please find the details of the disputed items below : ALSO Transunion says 13 late accounts which is highly inaccurate Account Name : XXXX Account Number : XXXX Balance : {$8300.00} Status : 30 days past due Reason for Dispute : I have consistently made timely payments on this account, and it should not be reported as 30 days past due. Please update the status to reflect on-time payments. 
Account Name : XXXX Account Number : XXXX Balance : {$9000.00} Status : Paid or paying as agreed Reason for Dispute : The balance on this account should be {$8300.00} as I have made additional payments that are not reflected. Please update the balance accordingly. 
Account Name : XXXX  Account Number : XXXX Balance : {$190.00} Status : Paid or paying as agreed Reason for Dispute : The payment history for this account is not available, which negatively impacts my credit score. Please update the report to include the accurate payment history. 
Account Name : XXXX  Account Number : XXXX Balance : {$82.00} Status : Paid or paying as agreed Reason for Dispute : This account should reflect a balance of {$0.00} as it has been paid in full. Please update the balance and status. 
Account Name : XXXX Account Number : XXXX Balance : {$5300.00} Status : Paid or paying as agreed Reason for Dispute : The credit limit for this account is not displayed, which affects my credit utilization ratio. Please update the report to include the correct credit limit. 
Attached are copies of my credit report, along with documentation supporting my claims. Please conduct a thorough investigation and correct these errors promptly. 

Thank you for your attention to this matter. Please confirm receipt of this letter and inform me of the results of your investigation. 

Sincerely, XXXX XXXX XXXX [ Your Contact Information
Product: Credit reporting or other personal consumer reports

I submitted validation of debt for this particular account and I never recieved validation or verification within the timeframe allowed by FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

CurrentlyIhavebeenintheprocessofgettingamortgage.IstartedthisprocessbackinXXXXofXXXX.IbeganthesearchoflendersanddiscoveredthatIhadissuestoresolvewithmycreditreport.Idiscovereddiscrepancieswithallthreebureaus.IhadcleanedupmycreditandsettledsomedebtatthesametimeIdeputedsomethingandlettimepasssomyscoreswouldincrease.InXXXXadisputewasonmycreditreport.Ihadthedisputesremovedandmyscoresdroppedtosignificantly.InXX/XX/XXXXIbegantobuildmorecreditandproduce2tradelineswhichappearedinXXXXandinXXXXtakingmyscoresupbetweenallthreebureaus.IhadmycreditreportpulledonXX/XX/XXXXandontheconsumerreportsmycreditscoreswereXXXX,XXXXXXXX,andXXXXtransunion.MylenderpulledmycreditandthedisputesbackinXXXXreappeared.IcalledtohavethemremovedandatthesametimeIhad2tradelinestopost,XXXXincreaseonstudentloanstoappear,removalofthedisputeswhichcausedmyconsumerscorestogodowntoXXXXfortransunionwhichIloss66pointfromanaccountbeingindisputesinceXX/XX/XXXXwhichwasn'tmadeawaretome,XXXXXXXXalossof53pointsthesameXXXXXXXXacctdisputewasremoved,andalossof35pointswithindaysofremovalofthedisputewhichwasplacedonmyacct.backinXXXXcausedextremedamagetomycreditreport.Iamwritingthisdisputebecauseidontthinkitwaslawfulforthebureaustobeabletoimpactmycreditsignificantlywhendisputesaresupposetoberesolvedwithin30days.ThesedisputeswereplacedonmyaccountsinXXXXandremovedinXX/XX/XXXX.Arecreditbureausallowedtodeducted50ormorepointswithnosignificantchangesononesreportsortradelines?Thishasandstilliscausingasignificantproblemformeandmyfamily.Iamnotabletocompletethelendingprocessbecauseoftheinaccuracyreportingbetweenallthreebureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. 

They have broken the following Fair Credit Reporting Act laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like each of the following companies deleted from my credit reports immediately : 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 XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed XXXX collections with experian on my report as being not validated and they never returned any information showing it has been validated or how they validated the debt it took them less than a few days to come back and say they validated debt.I contacted the by phone to get information on how they validated debt and they would not give me any information I asked for a letter explaining the process on how they came to conclusion they did. 
I am looking for full removal of all un validated debt due to lack of proper process.
Product: Money transfer, virtual currency, or money service

Hello Dear, This vehicle Vin:XXXX plat e : XXXX/TX is for sale at XXXX market in XXXX, IL by person name : XXXX XXXX . Title has other persons name on it an a lien holder from state of MD. They try to sold me this car but I saw fraud title and when I called XXXX police department they refused to came and I got a fight from Ms. XXXX and her mother in law. This is embarrassing and please make a research about this case because they have more vehicles for sales and someone from their family has a dealership license that is using for fraud sales. 

I gave deposit for a car with XXXX app of my Bank of America account. Today Ms. decline my request to give my deposit back. Bank said that they can only send request to Ms XXXX and waiting that she send money back, but cant promise anything. I was begging them to help me, and said that I have been asking couple of times but they said this is only that we can do. 

I really need help to get my money back. 

Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recently closed complaint, XXXX, regarding LexisNexis. I'm deeply concerned that the information provided by LexisNexis in response to my complaint is contradictory and misrepresents the facts. 

On XX/XX/year>2024 LexisNexis provide a response to the CFPB stating that my information was unverifiable. However, I have a letter from LexisNexis dated XXXX XXXX, 2024 which explicitly states " We have reviewed the information from our bankruptcy records and determined the data being reported as unverifiable. The data in question has been removed and our files have been updated. '' This letter clearly shows that LexisNexis found the data to be unverifiable and removed it from their records. Despite this, they failed to disclose these findings in their response to CFPB, which ultimately led to my complaint being closed on the grounds that my claim was not verified or authenticated. 

LexisNexis sent me a packet of letters in one envelope disputing the bankruptcy on my behalf with XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX and XX/XX/XXXX and XXXX dated XX/XX/XXXX. However I contacted all three credit reporting agencies on XX/XX/XXXX an XXXX 2024 which all confirmed they haven't received any correspondence from LexisNexis. There is nothing on file of such dispute.

This misrepresentation by LexisNexis has caused significant damage to my credit and character over the last six years. I have disputed this information numerous times during that six year timeframe. LexisNexis has repeatedly provided misinformation or falsified information, which has directly resulted in embarrassment, multiple hardships, decline of credit and damage to my character.

Please see attached letters
Product: Debt collection

I, along with many other borrowers, have been subjected to unfair and abusive loan terms by Money Key XXXX  Loan. These practices include, but are not limited to : Exorbitant Interest Rates and Fees : The interest rates charged on the loans are excessively high, making it nearly impossible for borrowers to repay without falling into a cycle of debt. 
Unfair Loan Terms : The loan agreements contain terms that are highly unfavorable and often misleading. 
Lack of Settlement Options : Money Key XXXX  does not allow for settlements or negotiations to ease the repayment process. 
Selling Loans to Collections : The company sells loans to collections agencies without attempting to resolve the issue with the borrower. 
Evidence I have collected substantial documentation to support these claims, including : Copies of my loan agreements Payment records Correspondence with Money Key XXXX  regarding settlement attempts Evidence of loans being sold to collections without prior negotiation Need for Legal Representation I believe that these practices violate consumer protection laws and constitute predatory lending. Many borrowers like myself have suffered financial and emotional distress due to these unfair practices. I am seeking your expertise to : Evaluate the merits of the case Determine the feasibility of a class action lawsuit Represent the affected borrowers in seeking justice and fair compensation
Product: Credit reporting or other personal consumer reports

The following accounts I have disputed on multiple occasions. I did not have accounts with the following companies yet they still are on my credit report. I XXXX XXXX XXXX  {$56.00} and XXXX XXXX. XXXX XXXX XXXX {$240.00} XXXX. XXXX XXXX {$860.00} and {$1100.00} XXXX. XXXX XXXX XXXX {$1000.00}
Product: Debt collection

Premise : Plain Old Telephone Service Line ( POTS Line ) can not co-exist on the same physical line with XXXX XXXX 
XXXX scheduled to be turned on XXXX, XXXX, XXXX and XXXX XXXX turned off. 
XXXX XXXX  was unable to be established and technical support was unable to resolve the issue and subsequently ignored the support case. 
Multiple calls were made to customer support to have POTS line of the XXXX XXXX turned off and illegitimate charges removed. Most prominent call was on Monday, XX/XX/XXXX at XXXX ( recorded call ). 
XXXX XXXX blocked the customer from customer phone support until illegitimate charges were paid. 
Complaint filed with Ohio Attorney Generals Office about the illegitimate charges, refusal to remove the charges ( four months of POTS Line  service totaling near {$200.00} ) and refusal to remove the POTS line service. 
XXXX XXXX in XXXX XXXX XXXX XXXX calls on Thursday, XX/XX/XXXX to discuss the complaint they received from OAG. XXXX employee becomes confrontational and refuses to provide an email address. 
In following weeks and months, XXXX XXXX refuses to correspond via email despite the XXXX employee providing an email address to OAG for further correspondence. 
Due to inaction by XXXX XXXX, XXXX XXXX executive officers were copied on multiple emails on the matter providing a great amount of details and documentation. 
In the following months, not one XXXX executive or employee confirmed receipt of any email with documentation attachments was received. 
On Wednesday, XX/XX/XXXX XXXX XXXX, XXXX XXXX calls and leaves a voicemail to state she will not communication through email unless I speak to her over the phone confirming who I am. She had already spoke with me over the phone ( recorded call ) back on XX/XX/XXXX confirming who I am. This is obviously a game or a high level of incompetence to XXXX XXXX. 
XXXX employee continues to ignore the complaint. 
XXXX sent the unpaid account to collections. 
XXXX debt collector locates a phone number of the XXXX customer not related to his account and debt collector starts calling to harass the XXXX customer for illegitimate XXXX XXXX
Product: Debt collection

Acim acredit FKA they are scamming company and they keep harassing me making threats calls costly 10 to 12 times a day making threats and I'm sick of this here and need to stop and I need to take this off my credit report before I go file a identity theft they scam you into a accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Dispute of Unauthorized Credit Card Transactions and Reporting Account Number XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the reporting of unauthorized charges on my credit card account with you. My credit card was stolen and subsequently used without my authorization. I promptly reported this theft to the XXXX XXXX Police Department, and a police report was filed under Report XXXX XXXX. A copy of this police report has been previously sent to your department.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have inaccurate or fraudulent information removed from my credit report. Despite providing you with the necessary documentation, my account continues to be reported with the disputed charges. This ongoing reporting is a violation of the FCRA, as well as a misrepresentation of my credit history.

Please consider this letter a formal demand to immediately cease reporting these unauthorized charges on my credit report. Additionally, I request that you provide written confirmation once these inaccuracies have been removed. If this matter is not resolved promptly, I may seek further recourse as permitted under federal law.

Thank you for your prompt attention to this urgent matter. I look forward to a swift resolution.XXXX XXXX social Security number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My online banking sent checks to Huntington. They cashed the check in XX/XX/2019 and lost the check inXX/XX/2019. XXXX  XXXX XXXX ( my checking account bank ) re-sent the check for XX/XX/XXXX and they did cash that one. They are still saying that they never received either and have reported me as 30 days late on my RV loan. I have never missed a payment EVER. They misplaced one check completely, and failed to account correctly for another. I have been in touch with them for over two weeks and they just notified me that they feel they are correct. They are wrong, I supplied them a copy of the cancelled check from XX/XX/XXXX in support of my argument.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

On XXXXXXXX  and again on XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. It has been over 30 days later and I have not received a resolution yet towards these violations. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX and XXXX XXXX data breaches and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

There are two accounts on my credit report from MIDLAND FUNDING LLC, one account XXXX, and the other account XXXX. These were unauthorized accounts opened. I did not open these account. I have 0 knowledge of them. Its states one was opened XX/XX/XXXX and the other XX/XX/XXXX. I did not open an account in XX/XX/XXXX. I have tried disputing these via credit bureau debt validation. They never respond via mail. They keep reporting on my credit these account are past due and they are not. This is grounds for violation. Not to mention I have lived in Texas since XX/XX/XXXX years. Statue of limitations in Texas is 4 years. Therefore Midland Funding is violating the Fair Debt Collection Practices Act. In XX/XX/XXXX, this company attempted to sue me for a debt in another state. This needs to end. They do not validate their debt, I have never owned them or whom they represent. I would appreciate this accounts with balances of {$950.00} and {$530.00} to be removed permanently from my credit report. This is unlawful and it causes me stress knowing they keep doing this when its unauthorized Accounts. These account are past statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies.
As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck.
My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no  interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account has been closed and has been paid in full XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit company XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting my balances. Outside of the 31 days cycle. My cycle is from the XXXX to the XXXX of every month. Reporting my statement on the XXXX to all the bureaus across the board. This is within the 31 days cycle. But they have reported me to Equifax and other Credit bureau 's within 10 days of the 30 day cycle showing my spending at a higher percentage then it would be at the end of the 31 day cycle. This is happened more than once over the last XXXX months. I've communicated with them on several occasions to see what the problem was. They said that they never report outside of the statements. Got in contact with my credit bureau Equifax they said they would be no reason for Equifax to update anyone 's balance unless creditors reported or requested. XXXX XXXX / XXXX XXXX Act # ... ... XXXX
Product: Credit card or prepaid card

Received unsolicited XXXX credit card in mail. It is an actual store credit card from Comenity with activation information, but the information sheet that came with it states, Credit Card offers are subject to credit approval.