23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

west assett management, a third party debt collector had attempted to collect a invalid debt for a cell phone account bill which had been settled years previous and the account closed with a {$0.00} balance. Please reference Case number : XXXX, after discontinuing collection activity for this account, they sold this invalid debt to another third party collection agency, XXXX receivables. This new collector is now attempted to collect for the same invalid, unverified and fraudulent alleged debt. XXXX receivables failed to properly notify of intent to pursue collection attempt, or provide notice of right to dispute. Without properly verifying accuracy or validity of alleged debt, the company reported to the credit reporting bureau 's that the debt was an unpaid account in collections, this improper information was reported on my credit report improperly and the alleged debt itself was fraudulent and improper due to having been re aged to appear as if the account and debt were recent, and the balance reported as owing over {$700.00} when in fact I provided documents clearly showing a {$0.00} balance and date of last bill from 2011.
Product: Mortgage

I refinanced my home in XX/XX/XXXX and the loan was transferred to AmeriHome Mortgage. During this time, I paid {$670.00} per month to my impound ( escrow ) account. However, AmeriHome did NOT pay my property taxes when they were due in XXXX, and again by XX/XX/XXXX. It was not until I decided to sell my condo that my attorney told me my taxes were not paid at all this year, and I had over {$9000.00} in my escrow account. According to my terms, the taxes should have been paid by AmeriHome. 

On XX/XX/XXXX, my loan was sold to XXXX XXXX. XXXX paid my taxes from my escrow account, but I was still charged {$270.00} by the XXXX County Assessor in interest. I called AmeriHome to try to get that money refunded to me, but they told me XXXX is servicing my loan now, and I needed to call them. 

I called XXXX on XX/XX/XXXX, and they were unable to refund my {$270.00} as it was not under their control and it was not their mistake. 

I just want to get my {$270.00} that I was penalized as it was no fault of my own that caused the taxes to be delinquent.
Product: Credit reporting

Experian put an item on back on my credit after taking it off three years ago. Back in 2014 I disputed an Verizon item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back???
Product: Credit reporting, credit repair services, or other personal consumer reports

there are two dismissed bakruptcies on my credit reports with transunion XXXX  and XX/XX/XXXX that are not supposed to be on there and none of the companies will remove them also there are a bunch of fraudulent inquiries on my reports that i did not apply for
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Castle Credit Co Hol, placed inquires on my credit file, and illegally retrieved my credit file. On this same day my wife, applied for credit with this company when she purchased a XXXX Vacuum Cleaner. I was not present, I was working that day. My wife did not consent to pulling my credit file. She has this account solely in her name, and has a signed contract with her name and signature on it. My speculation is they preferred for me to be listed on the account with her, but that is not legal. I never desired to do any business with this company.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX also known as XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX New York XXXX Is reporting inaccurate information to the credit bureaus. I am a victim of identity theft and fraudulent accounts. I submitted police reports and they refuse to honor them. I have had fraudulent accounts on my report by other creditors that have been removed by me providing requested documents. But this company wants to be the judge and jury and wants me to pay for something that is not mine. Identify theft is not my fault and they are making it out to be my fault. I cant help accounts were fraudulently made. They are causing me great distress.They have spoken to me rudely and they have over talked and spoken loudly to drown me out on telephone conversations. This is unlawful and should be handled accordingly.
Product: Money transfer, virtual currency, or money service

I had a Zelle account and sent money to people on accident and couldnt get my funds back because Zelle said I sent the payment. Someone had my login and was sending money to themselves and it was no resolution for the matter in my account. In response Zelle closed my account.
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 XXXX XXXX XXXX. 

Account name : #, XXXX XXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXX XXXX XXXX XXXX Closed Account name : #, XXXX XXXX  XX/XX/XXXX Account name : #, XXXX XXXX  XX/XX/XXXX Account name : #, XXXX XXXX XXXX  XX/XX/XXXX Account XXXX XXXX #, XXXX  XXXX XX/XX/XXXX Account name : #, XXXX XX/XX/XXXX Account name : #, XXXX  XXXX XX/XX/XXXX Account name : #, XXXX XX/XX/XXXX Account name : # XXXX XXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX Account name : #XXXX XXXX XXXX XX/XX/XXXX Account name : #, XXXX  XXXX XX/XX/XXXX Account name : #, XXXX  XXXX XX/XX/XXXX Account name : #, XXXX XXXX XXXX XX/XX/XXXX has violated my rights XXXX 

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 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. 
My information was impacted in the XXXX data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these acounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian account has experienced identity breaches twice, one on XX/XX/XXXX and one on XX/XX/XXXX. Someone beside myself has hacked into my account, changed my account username and password and the answers to my security questions. 

During both events I have called Experian customer service to understand the situation, ask them to provide as much details as possible on who is changing my email, how they changed it and have them please change the account back to my current email address. I have made numerous attempts to Experian with calls and emails, but for most of which the assistance I received were unsatisfactory. 

I believe that the breacher has gotten hold of my social security number and living address. In fear of physical danger and loss of credit accounts that associate my identity as well as other social/reputational threats. I have also filed a police report ( see email attachment ). During my initial contact with Experian I understand that the breacher has done so with malicious personal intent, for the answer to the security question they set to contains a swear word. However, I was not able to find out how they bypassed all the other questions. During my second contact with Experian they asked me to send in my identity documents through physical mail, which I did, but they claimed that they have not received the documents ( see email attachment ) and thus refuse to reset my account. I believe the breacher is the person I have a restraining order against but I can not prove it, and Experian is unwilling to work with me. 

In all events, Experian has shown negligent attitude and provided insufficient response to my request to obtain the event logs on the changes of my account. As a result, I am not able to supply the details to the police and court officer to investigate and help me put the breacher under justice. Experian is also unhelpful in providing reassurance that this type of event is not going to happen for a third time and guidance towards potential identity theft due to these events.
Product: Mortgage

Duplicate mortgage payments were sent into Nationstar this month, rcvd XX/XX/XXXX and XX/XX/XXXX. 
Called on XX/XX/XXXX while second transfer was showing as still processing, Nationstar advised unable to stop/reject, would flag account & once received would be returned with 1-2 days ( next Monday ). No refund received, called back & was advised I needed to submit bank statement to rep 's e-mail showing the XXXX debits even though they could see the credits on their end & they would send out via XXXX. No refund rcvd, called them, was told sent on XX/XX/XXXX but no tracking #, told them XXXX has tracking # & I needed before business close, placed on hold for XXXX, I hung-up need to get back to work. They call and left msg they needed statement faced to them before they could send out. No one there can get their story straight! Credit vs check, e-mail vs fax, sent / not sent. By the time I get my refund the next payment wil be due & all my other bills will be delinquent! Either a bunch of idiots or liars, take your pick!
Product: Vehicle loan or lease

I traded in my vehicle before the end of my lease. 

The dealership where I purchased a new vehicle paid off the total amount due at the time of trade in. 

I received a letter from Kia Motor Finance America stating the lease has been paid in full and any obligation has been satisfied. I also received a refund check from Kia Motor Finance for a refund about of {$130.00} due to overpayment on the payoff. Upon attempting to deposit that check it bounced and I incurred a {$12.00} fee. 

I continue to receive weekly or biweekly collections calls about the lease. On multiple of these calls the agents have stated they see the full payoff amount and they will notate the account, yet nothing changes.
Product: Checking or savings account

they cloesed my account card number XXXX XXXX XXXX XXXX for no reason pls open it back up
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXXXXXX 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

On XX/XX/XXXX I filed a complaint with CFPB case # XXXX regarding Lexis Nexis reporting false information to the three credit bureaus about a chapter XXXX bankruptcy they say I had in XXXX. This incorrect reporting has resulted in my credit being damaged, and has prevented me from being able to purchase a home. 

On XX/XX/XXXX Lexis Nexis responded to the complaint stating after re-investigation they had removed the chapter XXXX bankruptcy case number XXXX satisfying there obligation under the FCRA. They go on to say that on XX/XX/XXXX, a resolution letter along with an updated copy of my consumer report was mailed to me for review. 

On XX/XX/XXXX I received the resolution letter ( see attached ) in the letter Lexis Nexis states after re-investigation, Lexis Nexis found that the disputed record on my report prepared by Lexis Nexis XXXX XXXX XXXX XXXX is accurate as reported. In addition to this they never provided an updated consumer report. 

I need to have this investigation re opened. Lexis Nexis is not only in violation of Federal Law which clearly states that an individual can not file chapter XXXX twice within 8 years. I filed in XXXX, therefore according to law I can not have filed again in XXXX. In addition to it being the law, I also provided a letter from the XXXX bankruptcy court that clearly stated I could not file chapter XXXX because it is within 8 years. 

I am perplexed at how a company like Lexis Nexis can get away with direct violations of Federal and State Laws and still be allowed to continue in business. My next complaint is going directly to an attorney to file a civil suit against them with regards to the damage to my credit.
Product: Credit card

A few months ago, I was trying to change travel plans with XXXX XXXX due to illness. I XXXX  for a customer service number for XXXX XXXX and called the number XXXX provided. 

The person I spoke to claimed to be a XXXX representative and charged me nearly {$700.00} for the option to cancel my flight and receive the remainder of the cost back. As this was way less than the total cost of the flight, I agreed, despite my misgivings. I immediately realized something didn't feel right, and asked them to cancel the transaction, but they refused. 

I later found a different number for XXXX on the official website, and found out that cancelations are free, and that I had been scammed. The representative worked for some kind of travel agency pretending to be XXXX ; I received absolutely nothing in exchange for my ~ {$700.00}. 

I immediately called Citi, my credit card company, to dispute the charge and let them know I had been defrauded. Weeks later I received a notification that they would not reimburse me for the fraudulent charge. I spoke to a Citi representative who understood the situation and told me she would take care of it and secure my reiumbursement. Again, several weeks later, I received a notification that they are still refusing to reiumburse what is quite clearly fraud. I challenged it yet again, provided proof that I had received nothing in exchange for the {$700.00}, no good or service, and was denied a third time despite the merchant not providing anything that refuted my claims. 

I have provided Citi detailed documentation of this fraud, including copies of an email the company sent me with a XXXX logo in their signature, as well as my immediate request to cancel the transaction. At this point, my only recourse is to continue submitting my claim through the same process that has now denied me three times. 

Furthermore, I am not the only one who has suffered this exact scam there are news articles ( which I also provided to Citi ) about this exact phenomenon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote you a request to look into the information that I had previously questioned. I don't allow e-Oscar or any other automated type of verification because it's inconvenient and makes me angry. I retain the right to launch a law suit against your firm or any company you represent if the material is not immediately reinvestigated and removed, and if you continue to break the law under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letter to the credit bureaus as well as attempted contact and have yet to recieve any details, response, update, or answers on the matter : The following accounts on my credit report are fraudulent and without consent : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Today I received a notification I lost XXXX points off my credit from equifax and XXXX off my credit report from transunion I just filed a complaint a couple weeks ago for the same thing happening to me they keep allowing inaccurate information to post to my credit report and do damage and look at the amount of damage Ive had the same phone number for XXXX  years anything attached to XXXX XXXX XXXX XXXX is fraud I also provided the police report to show that I am a victim of identity theft the report was filed XXXX XXXX and XXXX I also filed a complaint with the FTC and I also have a tax advocate due to this issue I have no recollection of an account with XXXX I have no ownership to a account with XXXX that is turned over to XXXX XXXX  please remove XXXX XXXX  FROM MY CREDIT REPORT AND REPLACE MY LOST POINTS
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsible to report consumer information to the best of their ability with maximum accuracy. I never been late on the accounts that i provide inside the complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be uploaded to paid as agreed on time as they should be due to the fact i was never late Thanks! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXXXXXX
Product: Vehicle loan or lease

I CALLED, AND SPOKE WITH THE REPS ON DIFFERENT DAYS NO ONE WOULD HELP ME. SOMEONE SENT ME A PACKAGE TO COMPLETE TO GET THE ITEM REMOVED BUT IT HAS BEEN REMOVED.
Product: Credit reporting or other personal consumer reports

I am distressed that this XXXX EXPERIAN has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cima digital FKA simp XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone rented a car from my company on XXXX  for {$1500.00}. The bank saying this person disputed the transaction, however I have a copy of the Car Rental Agreement, Copy of the person Drivers License, A Written Notorized Letter from this person, A Transaction Letter and a copy of any and all receipts regarding this transaction.The bank still made my Business Bank Account negative.My specialist XXXX has been very spiteful by holding not only this payment but all payments that our Company received on 7/4/2024.infact, I've responded to any and all requested emails and provided proper documentation.However the bank has decided not to do business with my company, yet they are holding my funds they saying for 6 months and I can't seem to understand why or how it's possible to hold someone's funds That has nothing to do with the matter at hand.Ive called in spoken to my specialist XXXX about it but she is being absolutely making it her business not to release my funds to my account. I need this matter to be looked into immediately.