23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX Planet Home Lending submitted a lawsuit against me due to missing payments on my late fathers mortgage. I am the new owner by law, and there is a declaration of heirship that establishes said information and the company has this document, and has been sent multiple times since XX/XX/XXXX. When I was finally able to aply for loss mitigation, the company provided the documents. On XX/XX/XXXX I received a response from XXXX XXXX via email that they have received the documentation and will review the information provided so they can reply with the options I have to aliviate the debt. However, when checking the lawsuit status on XXXX portal, the lawsuit is still active. When a loss mitgation package is being reviewed and worked on the lawsuit must stop its course and has to be updated to inactive. When checking the portal, the lawsuit is still active to this day, XX/XX/XXXX. This is retaliation from the company and XXXX and XXXX XXXX XXXX, lawyer XXXX XXXX XXXX XXXX, as the status of the lawsuit is still active. Also, I haven't gotten a response to the loss mitigation request or the authorization and the assumption of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company for validation of the account and debt they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again.

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

I have contacted Capital One on several occasions regarding the COMPLETE REMOVAL of this account. I called them, and they can't even verify me in their system. How is this account allowed to report to my credit report and negatively affect my credit and personal life when this company can't even verify that I'm an actual customer with them? 
To add -- I've never even considered using Capital One. I've never received a single piece of mail to my home from Capital One. This account needs to be removed IMMEDIATELY. IT IS HURTING MY PERSONAL LIFE.
Product: Debt collection

I called CBE GROUP XXXX XXXX XXXX inquiring about the debt collection showing on my credit report. Provided account number XXXX to the creditor. After multiple attempts they said my account is not found and they only have information from an individual from California for a cable bill from XX/XX/2019 with XXXX XXXX. On that note, I have never lived in California and I strongly believe this is FRAUD.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
1. 
XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Was scammed sent over XXXX in crypto lost all my money
Product: Credit reporting or other personal consumer reports

Hey I was looking at my credit report. Im a XXXX  Veteran and I need good credit. This XXXX  account is innaccurate. I paid this balance completely. Look at the screenshot. It is full of inaccurate information. Also, Transunion and XXXX never sent me the proof of their investigation and I requested it. 

Please check this XXXX account for accuracy and completness. It is clearly wrong, in numerous ways. I want this removed from my credit report XXXX dont owe them any money at all!
Product: Debt collection

I am disputing the collection being reported by LVNV Funding LLC because it is the result of identity theft. I did not open this account, nor did I authorize anyone to open it on my behalf. I am requesting that LVNV Funding LLC verify the validity of this collection per U.S. consumer laws, including the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Specifically, I demand that LVNV Funding LLC provides : A complete and detailed validation of the debt, including documentation proving the debt is mine, as required under the FDCPA. 
Evidence that I agreed to the debt, such as signed agreements or proof of services rendered. 
Proof that LVNV Funding LLC has the legal right to collect this debt. 
An investigation into this fraudulent account and removal of this collection from my credit report if it can not be validated. 
Under the FCRA, LVNV Funding LLC is obligated to ensure accurate reporting of consumer information. Since this account is fraudulent, its presence on my credit report constitutes a violation of these laws. I demand that LVNV Funding LLC immediately cease all collection activities and remove the inaccurate information from my credit reports. 

Please address this matter urgently. Failure to comply with these legal requirements may result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to Equifax Information Services LLC ( all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to Equifax on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, Equifax is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of Equifax who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and inquires would be removed, however the fraudulent accounts would not be removed until an investigation was completed. I also received a letter in the mail from Equifax ( EXHIBIT A attached below ) stating they could not find my credit file in their system with the information I provided- which is contrary to what I was told by their representative over the phone. In the same envelope was another letter ( EXHIBIT B attached below ) from them stating they will not be blocking any information in my credit file, although the previous letter stated they could not identify my credit file. Equifax has violated my rights and federal law with their unscrupulous business practices.
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX Visa card. I was paying my bill on time every month on-line. I received an electronic notification from my credit monitoring system that my account was closed. I called XXXX XXXX and was told they had changed the address of my account due to information received from the United States Postal Service. The address was my children 's new apartment that I had co-signed for but never lived in. I NEVER changed my address with them or with the United Postal Service. The reason for closing my account had something to do with returned mail, which would have occurred because I never changed my address! 

I never received any of their mailed notifications, because I never changed my address. I never had a message from the payment site in the secure message section. I never received a voicemail on my phone that has also not changed. They changed my address WITHOUT my consent and then when they couldn't reach me, they closed my account which will negatively affect my credit. 

I am unable to get basic information on my account without providing numerous identification information, how are they able to take the USPS incorrect information to change my account?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

XX/XX/2020 I made a {$560.00} deposit into an ATM. My deposit was taken without receipt of being received. Despite the fact that I was extremely overwhelmed that my bill money was now gone without a trace.The bank manager ( XXXX ) was very rude and refused to give me her last name or provisional credit before 10 days as another branch informed me could be done. I have been a member of this bank for over 10 years and in good standing. Through no fault of my own I am unable to pay my bills which have accumulated late fees on top of what I already owe.
Product: Checking or savings account

On XX/XX/2022 an ACH in the amount of {$48000.00} was sent from my account in XXXXXXXX XXXX XXXX to an individul account with PNC Bank. This ACH was sent in error, and recalled within 24 hours and on XX/XX/XXXX. I was advised by XXXX that the ACH was not reversed in-time, and the funds were not available to be recalled. Myaccount was deducted {$48000.00}.

I filed a police report. The police invetigation revealed through subpoena to PNC bank that in fact the ACH was reversed and no funds were disbursed to PNC customer. However, I never received the funds back into my account. When I ask XXXX XXXX they are telling me that PNC is not responding. When I ask PNC, they tell me that they can't tell me anything as I am not their customer. I have been out of {$48000.00} for almost a year, and neither bank is doing anything about it. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting credit bureaus make very difficult to submit documents by the web. I will have to send all documents by mail and wait a long time for a response. 
The credit bureaus should explore easy ways to satisfy consumer complaints including in person telephone representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm just now learning how to check my credit score and I have been working on it now and I have charges from places and things that I've never had before in my life. I was told by XXXX before they were bought out that I had a phone account set up in another state at that time and I had them cut it off and the told me to report it but I never heard anything back and now there is more. My phone number is XXXX please contact me ASAP
Product: Debt collection

Around XX/XX/21 my adult daughter who is a business woman, said a woman called her and asked for information about me. My daughter said the woman was extremely rude and thought my daughter was myself, My daughter told her she would not give out information about me to this rude woman! I later recieved a voice mail on my phone from this woman who was yelling that she sent someone to my address and I was not there! She continued to yell a say I need to contact her because the will be serious consequences, My daughter has her own home, so this woman searched for relatives with the same last name as mine and used bullying tactics, This is a credit card debt I could no longer pay due to job loss and a recent divorce.
Product: Credit card or prepaid card

Consumer has a credit card with Wells Fargo Bank. 
Consumer used a promotional interest rate of 3.99 % which was suppose to expire in XX/XX/2019.It was solicited by Wells Fargo Bank Consumer has been making all payments on-time. 
In XX/XX/XXXX, Consumer did not receive a billing statement. 
In XX/XX/XXXX, anticipating that a payment is due, consumer still made a higher than anticipated payment which arrived at the bank just two business days late or four days if weekend is in included. 
As a result, bank charged the consumer a late payment fee of {$39.00} on XX/XX/19 statement. 
As a result, bank removed the promotional rate and started to charge a penalty rate of 12.25 %. 

Consumer monthly minimum payment went up from {$750.00} to {$1100.00}. 
Consumer is being forced to pay an interest rate charge per month of {$560.00} instead of {$180.00} thus costing almost {$380.00} additional in interest charges per month until XX/XX/2019. 

Consumer believes that Wells Fargo change in interest rate is a predatory lending practice and is in violation of consumer federal protection act and other federally granted consumer rights. This complaint is not an isolated issue. This bank has history of fraudulent business practices and has been on the news more than any other bank. 

Consumer hereby requests that 48 business hour delayed payment does not constitute a breach of contract to remove a promotional rate from the account. Hence this issues should be resolved by re-implementing the 3.99 % interest rate, returning {$39.00} late payment fee. 

Consumer also request that bank changes its promotional offers, be more transparent regarding its penalty rate. No one has an idea if they miss the payment by one hour or 96 hours are likely to incur penalty interest rate. Bank needs to define that payment needs to be missed one or two billing cycles. This period can not be in hours. This is fraud and abuse. 

Consumer intends to fight this charge through all available channels if this issue is not solved. My concern is how many others are in the same shape when as a physician and with business degrees, I am a savy borrower who has NEVER missed a payment for over two decades. 

I can be reached via XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1st error : Collection name : Aldous A gym litterally took my account to collection. 
I signed up for XXXX XXXX for 1 month in XXXX and cancelled my membership thereafter. 

Seems like they were still charging my debit card on file still and eventually that debit card wasn't working and there was a balance built up. 

They decided to take that balance to credit bureaus even though I never attended gym for the services I was billed for. 

Please help in removing this erroneous debtor on my report. 


2nd Error : Collection name : XXXX XXXX XXXX XXXX debtor under XXXXXXXX XXXX is showing on my report added on XX/XX/XXXX. 

I have not lived in the subject apartment since late XXXX. 

I had called XXXX and cancelled my meter and it was never honored they kept billing me for electricity by error/mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months all three credit reporting agencies have been ignoring my request of validation on the following accounts.

1. US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. US DEPT ED Account Number : XXXX Please investigate and delete from my credit report. 

3. US DEPT ED Account # : XXXX 4. US DEPT ED Account Number : XXXX My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. The following accounts are reporting inaccurate information. The date opened on these accounts do not match and some accounts are duplicated. My request has been denied time after time, I just found out about the CFPB website after doing research about being ignored by these reporting agencies.
Product: Credit reporting or other personal consumer reports

I have on multiple occasions disputed the collections account on my consumer report in regards to XXXX XXXX XXXX  a debt collector who bought a debt from XXXX XXXX I disputed XXXX XXXX  and received a response from XXXX XXXX stating that they could not verify the account thus XXXX XXXX was deleted from my consumer report however XXXX XXXX XXXX who is a debt collection agency purchased the unverifiable debt from XXXX XXXX and XXXX XXXX XXXX is still reporting an inaccurate account to my consumer report. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and TRANSUNION are not maintaining reasonable procedures. 15 U.S. Code 1681- Congressional findings and statement of purpose goes on to state a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

As stated before XXXX XXXX who was the orginal creditor has been deleted from my consumer report and they even responded to my CFPB complaint stating that the account was unverified and that they would no longer report the account to my consumer report. I have provided the letter from XXXX XXXX  Compliance Manager in the attachments below Also XXXX XXXX XXXX in an attempt to sabotage my consumer report and hinder my right to credit is reporting to the credit agencies that I have been late on payments since XXXX of 2023 payments that I do not owe them due to the fact I have no contracts with XXXX XXXX XXXX nor with XXXX XXXX who XXXX XXXX XXXX allegedly purchased the debt from. This places civil liability on XXXX XXXX XXXX due to the fact they are attempting to damage my general mode of living and my right to credit in order to purchase household goods for me and my family. 

I demand the account in regards to XXXX XXXX XXXX be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from contour mortgage ran my credit without my consent and approval. I reached out to them to learn my about mortgage qualification. I never asked them to run my credit and I specifically asked them to let me know before running my credit. He went on and ran my credit without informing me whatsoever.
Product: Credit reporting or other personal consumer reports

My identity was stolen and someone opened a bank account under my name i never knew of the account till it showed up on my credit report i filed a police report and tried filling a dispute there experian and the credit agency but they keep saying it was me even after i sent over my police report they asked for and its been 3 years now still this can get a account due to XXXX XXXX
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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 or other personal consumer reports

This account is settled and closed. I have enclosed the 1099C along with other forms that have to do with the discharge and this needs to reflect and be removed from all three Credit agencies. Not only is the information incorrect from one credit report and agency to the other, I am given each one of these credit agencies 10 days to remove this before I file for a lawsuit for damages again I have enclosed the paperwork that they will need. Thank you XXXX XXXX