23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice from XXXX that there was a collection added to my report and because I didnt know who the company was, XXXX looked up the information and told me that the collection agency was professional debt management and the original company was XXXX at XXXX XXXX XXXX I moved over a year ago from this property but last month I was advised the company sold a debt I knew nothing about to a collection agency. XX/XX/XXXX I moved into my new home of which I closed on my home XX/XX/XXXX. I coordinated a key return to the old apartment complex on XX/XX/XXXX as the office has Covid hours of operation and appointments were needed to ensure office staff was present to the public. I had been in contact with the landlord prior to my key return to close out the account and notify the company that the apartment had been vacated. I was advised that proof of written notification had to be given of my intent to move as verbal was not sufficient. I forwarded an email thread to prove that in XX/XX/XXXX I advised the company I would be moving in XXXX of XXXX. A year later an account statement has been sent to me from XXXX that I never knew existed and no one will explain or resolve as I had not been given a chance to rectify. I was told XX/XX/XXXX the account was satisfied at XXXX XXXX.
Product: Debt collection

On XX/XX/2022 I was alerted by XXXX that there was a collection in the amount for {$27000.00} by Hunter Warfield. The original debt came from an apartment complex called XXXX on XXXX ( appears to be in XXXX XXXXXXXX XXXX ) I was contacted by the collection agency several months ago about this debt and they said the debt was for a XXXX XXXX XXXX which is not my legal name. I assumed that this was resolved on their end and a mistake. But, the collection hit my credit report. 

I spoke with a representative at Hunter Warfield on XX/XX/2022 and they said they think this is identity theft/fraud as he confirmed the name on the account was XXXX XXXX XXXX but had the last 4 digits of my social security number. I have opened a dispute with XXXX and filing a claim with this bureau as well. 

I have never rented or purchased a home or apartment in XXXX XXXXXXXX XXXX nor did I do any business with this company. I have resided in XXXXXXXX XXXX for the past 14 years. A similar debt collection occurred earlier this year with another apartment complex in XXXX XXXX, XXXX and debt owed. This was resolved and deleted from my credit, but appears to be a pattern going on now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BMW FIN SVC with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Checking or savings account

I disputed a billing error and requested clarification regarding an overdraft fee. Despite my attempts to communicate and resolve the issue, the bank failed to respond to my inquiries, ignored my dispute, and then closed my account without proper notice or explanation. This action is unacceptable and has caused me significant inconvenience and financial and emotional harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX Account , XXXX Account , XXXX Account, XXXX Account 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 an account without my written instructions
Product: Debt collection

Midland Credit Management , Inc. To Whom It May Concern, Per your web site, you report that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$1800.00} and last delinquency reported XXXX XXXX, XXXX, yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to multiple letters I sent and which you signed for, on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. By not replying in a timely manner to my initial letter you signed for on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The following item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Re : Request for 1099-C Form for Canceled Debt Dear XXXX, I am writing to request a 1099-C form for the canceled debt related to the Auto Loan. As you are aware, this debt was settled/canceled on or before XXXX XXXX. 

Pursuant to Internal Revenue Service ( IRS ) regulations, I am entitled to receive a 1099-C form reporting the amount of canceled debt. This form is necessary for me to accurately report my income and claim any applicable tax credits.

Please provide the 1099-C form to me within 15 days because this is necessary for me to file on my XXXX income tax return You can mail the form to the address above or email it to XXXX. 

If you have already issued the 1099-C form, please confirm the date it was mailed and provide a copy if possible. 

Thank you for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me. 

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

In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 states a consumer reporting agency can not furning an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Many times I've expressed concern about identity theft. Within 4 business days, you must remove/block any items that was opened without my knowledge, consent, or authority by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXX/XX/XXXXXXXX Balance Owed : {$12000.00} ; XXXXXX/XX/XXXXXXXX Balance Owed : {$35000.00} ; XX/XX/XXXXXXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance Owed : {$8700.00} ; XX/XX/XXXXXXXX Balance Owed : {$920.00}.
Product: Mortgage

I refinanced my home, paid points and fees and it dropped approximately XXXX monthly, only XXXX months later it went back up to its original amount. it was before and is now a fixed mortgage with nationstar mortgage. They gave me the most complicated reasoning for this increase.I just have to pay it the way it is for now though to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incompetent : It takes MONTHS for them to Correct and Report Information Correctly- Recently sent 17 pgs USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX with Supporting Documentation to Verify my Identity- have Equifax Update and Report Correctly my Personal and Employment Info and for Equifax to Report Correctly XXXX XXXX NEVER LATE ( Supporting Documentation provided to them Multiple Times, yet on their Confirm # XXXX they have as " Verified '' - that is patently FALSE ) XXXX  is Reporting as NO LATES ; yet Equifax has not updated. 
XXXX XXXX SECURED Credit Card was Paid Off- Equifax has the Balances and Payment Amounts Wrong- and this is MORE than 7 years, yet they continue to leave as Negative
Product: Money transfer, virtual currency, or money service

I'm filling a complaint against Cash App ( Block , Inc . ) Due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take time to measures to prevent and address fraud on their platform which led my account to be vulnerable and unprotected Therefore their deputie process was unfair aslo they didn't comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions has cause significant inconvenience and financial loss and I seek appropriate redress for there violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened up an account in my name with XXXX. I have continuously disputed this account and have spoken with several reps at XXXX. I was told by the XXXX reps to dispute the account with the collection bureaus, I have done everything asked of me, however they have done nothing to resolve this issue. I have sent in a Police Report and an FTC report and still nothing has changed.
Product: Debt collection

Violations of public policy have occurred in operation of this account. Information involving debt ( {$830.00} ) is being reported negatively and fradulently to three credit bureaus. There is no valid contract regarding account. Resolution of collections status reported to three credit bureaus is the only lawful resolve.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above.

Thank you for your immediate attention.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to address the inaccuracies present in my credit report across the three major reporting agencies- XXXX, XXXX, and XXXX. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my report, I have observed discrepancies regarding an account with Capital One. XXXX reports the account as being opened on XX/XX/year>, while XXXX and XXXX report different open dates- XX/XX/year>. This inconsistency is not only inaccurate but also detrimental to my credit standing. I request the immediate removal of this item from my credit report. 

Furthermore, XXXX and XXXX report a credit limit of {$550.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are crucial in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies.

Additionally, 16 CFR 313 and 16 CFR 313.7 play a significant role in defending my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. 

It is also notable that while XXXX and XXXX report this account as current, XXXX inaccurately lists it as 90 days late. This disparity in reporting further underscores the need for immediate correction.
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and noticed the following inaccurate items. The accounts below are not mine : XXXX XXXX Account Number : XXXX Account Opened : XX/XX/year> Account Balance : {$0.00}
Product: Debt collection

This debt is not something that I even owe in the first place. XXXX University states I didn't drop a class in time which I did. I never attended one class and I dropped the class before the first day which is well within the time in order to avoid being charged. In addition, I have requested documentation of proof that I owe this debt numerous times from both the school and now this collection agencies and have received nothing. In fact, a representative from Williams and Fudge showed up at my work saying they were suing me and that they had documentation for me. They were rude and persistent, trying to have my HR department contact me ( they contacted me after the man left the office to let me know ). Finally the representative agreed to leave his contact number for me to reach him. When I called the number he again said he was trying to serve me papers and asked why I hadn't been answering my door at my home. I told him no one had come to my home while I was there. I then asked what this was about and he explained it was for my debt with XXXX and that I needed to pay it immediately to avoid litigation. I explained to the man that I did not agree that I owed this debt and I wanted copies of documentation to prove I owed this money. I also told him I had not received any correspondence in the mail or phone calls from his company so I was taken aback by this aggressive approach. He told me I sounded like I knew what I was talking about. I told him what I did for a living and he quickly got off the phone. I never received the documentation I requested and I never heard back from the company either via mail or phone.
Product: Mortgage

We are submitting this complaint as the sellers of a property for which our buyer is using PRMG. My husband is a combat wounded Veteran and the purchaser of our home is also a Veteran. This process originated in XXXX and we still have not closed on this transaction, leaving our family with XXXX toddlers homeless. A water test ( as required for VA loans ) was not ordered during the original inspection on the property that took place in XXXX and this was discovered while trying to obtain a clear to close the week of XX/XX/2021. Once this happened, the loan officer ceased communication with the buyer and left all parties in the dark forcing us to push back closing on our business to be purchased and home- leaving us with potential losses of nearly {$50000.00} in escrow and a stacking hotel bill. The company has refused to make an exception for their oversight and has taken no accountability for the financial ruin that they have caused us. They have not acknowledged what can be done to assist and have made it clear they have no plans to. I would asked that the CFPB do a formal investigation into this and review if PRMG should be allowed to originate VA loans given their disregard for service members and their families.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/2023, complaint XXXX XXXX XXXXXXXX to XXXX regarding incorrect information that is reported on my credit report, and multiple bankruptcies. 

XXXX submitted a response on XX/XX/2023 : ... '' A DISMISSED/DISCHARGED XXXX XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 7 YEARS FROM THE DATE FILED. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. '' I've reached out to LexisNexis ( XXXX vendor ), regarding the response XXXX provided. LexisNexis sent me a letter dated XX/XX/2023, regarding the multiple bankruptcies. stating : " In an effort to resolve XXXX XXXX concerns, LexisNexis did not locate the records listed below in XXXX XXXX file with LexisNexis. Bankruptcy Record : Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX Bankruptcy Filing No. XXXX '' I've also attached multiple documents that I received from the Bankruptcy courthouse saying they have never sent any information to XXXX. 

I would like for XXXX to answer me who they are verifying this information to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card though citi with the sole purpose of receiving and up to date and accurate credit score. I was approved. I waited for the paperwork to come in the mail to provide me with score and relevant information they received in which this decision was made. It was not included. I downloaded the app and searched all communication- it was not available. I called and was transferred 4 times. Finally, the data analyst said they dont have access to this information nor could the provide it. I asked that it be mailed to me, assuming security wouldnt allow them to give it over the phone. She stated she could not. I was escalated to a supervisor who said if we had to disclose that information, we would have and recommended I check XXXX XXXX. 
I believe I am entitled to the information which was used in determining my eligibility for a credit card, including the score at time of application and approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion and XXXX on XX/XX/2023 my tracking numbers where for XXXX XXXX .... for transunion XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX However they said that they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. this account has several inaccuracies and this account needs to be deleted right now
Product: Credit reporting or other personal consumer reports

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the necessary documents, including a photo ID, a utility bill, and a self-attestation letter regarding my situation involving XXXX XXXX due to XXXX XXXX  which is recognized under XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). Additionally, I have attached a letter from an organization supporting my case. I kindly request that this information be blocked from my credit report within four business days, as required by section 605C of the Fair Credit Reporting Act. I have submitted all the necessary documentation, including a victim determination letter as outlined in 1022.142 ( b ) ( 6 ).
Product: Mortgage

I have made several attempts to communicate with my new service, XXXX, on the option of having my mortgage recasted. I have paid my mortgage balance down, their website states that this is an option for customers. 
I have called and they stated for me to email them at XXXX which I did on XX/XX/. I called a week later to follow up on my request and the caller stated that a supervisor would be emailing me the next day. This did not occur. I went on their website and sent a message through " contact us '' link and asked for the same thing. When I went to follow up on this request, I literally sat on hold for 35 minutes waiting for them to pick up. 
I want to know what I need to do to recast my loan. The first time I called they pressured me to try and refinance my loan and I am not interested in that. I am not sure why they are not communicating with me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX credit to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. 
As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identitytheft are opened not by me and follow the law must be removed from credit report immediately. 
Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. 
Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account.
Product: Credit card

XXXX XXXX double charged me. Secured e mail Navy Federal credit Union. They send me directions on how to correct it. Didn't correct it nor investigate the transaction after sending them images of the transaction.