23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear First Credit Services ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question. 
You have violated my rights under the following sections of the FDCPA : XXXX. XXXX : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action. 
XXXX. XXXX : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * XXXX ( XXXX ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter. 
* XXXX ( XXXX ) : Threatening to take legal action that can not legally be taken or is not intended to be taken. 
XXXX. XXXX ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter. 
XXXX. XXXX : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Lexus Nexus has made it impossible for me to recover my true name identity theft. When I reached out and finally got a hold of someone at the company the only reason I was able to was because I spoke with the identity restoration at XXXX because I can not get car insurance. The reason I can not get car insurance is because Lexus Nexus uses inaccurate information from Identity Theft reports that were made against my credit. After much explanation and many many hours on hold nothing has been resolved the only thing I was assured of is that it would never be resolved and I quote no matter what I do the points on my record will never disappear because they will never take them off no matter what kind of proof I show them. That Lexus Nexus is the final decision-making process in any lifestyle credit situation even if the fraud account does not belong to the consumer. There's no way to dispute it or make it go away so I should just give up.
Product: Mortgage

I have been in contact with the mortgager, LoanCare. I had a loan modification and lost it because the XXXX took a double payment in XX/XX/XXXX causing my bank account to be overdrawn through no fault of my own. The mortgage payment bounced and I was taken out of modification. I re-applied and was denied on XX/XX/XXXX. I did not receive notification until XX/XX/XXXX. In the meantime my home was placed in foreclosure on the day of denial. 

I have been in constant contact with them. Never refusing phone calls or messages. I have since gotten a part-time job to supplement my Social Security and able to make the loan modification payments. I want to retain my home. My children grew up hare and I want to keep their place, They occasionally visit
Product: Credit reporting or other personal consumer reports

There are student Loans on my report that are not 100 % accurate. These are continuing to report on my credit report in violation of the FCRA. I am being ignore as a consumer and now my report keeps showing this false information.
Product: Credit reporting or other personal consumer reports

ive been trying to handle this with XXXX XXXX  directly however they will not abide by the fdcpa laws neither the fcra by removing this inaccurate reporting collection from my credit reports.. they are blatlenty breaking the law and refuse to clear up this matter. XXXX XXXX  refused to show me my signature validating the selling of this debt being sold to XXXX XXXX And XXXX XXXX can not show me my signature stated that i have a contractual obligation to pay them {$640.00}... also they are listing the account as open when this is nnot active debt... this is a very clear and blatant violation of the fdcpa and the fcra, ive even cc 'd the proof the reporting..!!! i am very stressed because they are tearing my credit apart and blatently violating the fdcpa and me as a consumer. This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Any automated response, documents without my signature for the debt be liable to me or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your VALID method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ). i really don't want to escalate this matter
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about ongoing issues with inaccurate banking information appearing on my consumer report provided by Early Warning Services ( EWS ). I have been a victim of identity theft which has severely impacted my financial integrity and capability. 

The report inaccurately lists multiple banking accounts and transactions that were not initiated by me. These errors have made it impossible for me to open new bank accounts with any institution, as EWS reports are critically considered in the banking sector. My efforts to dispute these inaccuracies directly with EWS have been persistently unproductive and exceedingly slow. 

Moreover, due to the shared services between EWS and Zelle, I am also unable to use Zelle for transactions, further restricting my financial options. It appears that EWS has a monopolistic impact on my ability to conduct ordinary financial operations, which is unfair and unjust. 

I have already initiated legal counsel to address these issues ; however, immediate intervention by your agency is crucial to prevent further damage to my financial life and reputation. I urgently request the CFPB to : 1. Investigate the inaccurate entries reported by EWS.

2. Facilitate the swift removal of all erroneous information from my report.

3. Examine the monopolistic practices affecting my ability to use banking services, as these practices are not only detrimental to me but potentially to other consumers as well. 

Enclosed are copies of my correspondence with EWS, documentation supporting my identity theft claim, and other relevant personal information. I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving these issues that are critical to my financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$110.00} XXXX   XXXX {$100.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX   XXXX {$220.00} XXXX  XXXX {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently attempting to refinance my home and when my credit report was pulled, I had a late payment in XX/XX/2019 from a store charge card, XXXX XXXX ( XXXX ) XXXX  through XXXX  XXXX, severely impacting my score. I am currently 2 points away from the required score to refinance and was told to contact XXXX XXXX XXXX  to see about removing this blemish from my credit report. I was told to write a letter to XXXX  and they would respond within 2-3 wks. The letter included information such as the month of the late payment, XXXX and the situation at hand. My normal monthly is {$40.00} and an archived electronic statement dated XX/XX/2019 shows a past due amount due of {$100.00}, with a total amount due of {$150.00} on XX/XX/2019. I immediately noticed the discrepancy and paid the full amount ( {$150.00} ) on XX/XX/2019 which included the past due amount and charges through XX/XX/2019. This was a simple oversight, on that could have been avoided with a simple correspondence from XXXX XXXX XXXX. I accepted the late fees as I understand that the payment was in fact 2 days late. However, I have NEVER had a late payment on any of my credit cards, never mind reported on my credit report and have always paid over the minimum amount due. I did not receive any notification and was completely unaware of the blemish they placed on my credit report until I tried to refinance. Therefore, I wrote a letter to attempt to have this removed from my credit report. 
After not receiving a response, I contacted them yet again. I was then told to what a few more days. Again, I did not receive a response and called again. This time I was told that it was up to XXXX XXXX to respond and take necessary action so I was transferred. XXXX XXXXXXXX pretty much told me too bad and wait for them to respond. They have 2 days left and it will be 30 days to which they did not respond to my dispute and therefore, I am requesting that the information be removed from my credit report. This was a simple " 2 DAY '' oversight that will end up costing me thousands upon thousands of dollars and XXXX XXXX is unable to work with a long-term, good standing customer that has continuously paid on and above minimum balances and remained current on their account during the whole worldwide pandemic. They are being completely unreasonable.
Product: Debt collection

XX/XX/2018 XXXX Unknown never had an account
Product: Checking or savings account

During the pandemic I was locked out of my Capital One account altogether. I had a XXXX checking, credit card, and XXXX savings. When I got locked out and no one seemed to be able to help me ( except some chat bot ), I left Capital One. I couldn't do anything. 

Towards the end of last year, I received a random debt card from Capital One offering for me to open my account again and now I see why. So I'm in my account now but I only see my XXXX checking ( with a negative balance ) and my credit card ( thats a charge off ). Nowhere is my XXXX savings visible.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Transunion on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. 
There are breaking Federal law, According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix it.
Product: Debt collection

Debt collection company is to threatening to take legal action which is illegal and unlawful pursuant to the FDCPA 15 USC 1692i ( 2 ) ( a ). As the consumer and natural person, this debt collector head not been given my permission nor consent to contact me using any medium, which shows they violated 15 USC 1962c ( a ). Debt Collector is also in violation is several federal laws such as 15 USC 1692b ( 5 ), which states a debt collector can not utilize any language or symbol on any communication that indicates the debt collector is in debt collection business.
Product: Credit reporting or other personal consumer reports

I found other addresses linked to my accounts and there was also a data breech that I was linked too. 
Starting XXXX or XXXX not sure.
Product: Mortgage

I lost my employment and income in XX/XX/2020 and as a result I havent been able to make my mortgage payment. I have tried to get a modification done with Shellpoint now that I am self employed and they havent responded to my requests or have a relationship manager return my call. I have sent in the Request for assistance package or form XXXX and send in the needed documents. No response. Please help
Product: Credit card or prepaid card

I currently have an Apple Card, issued by Goldman Sachs. I have been an Apple Card holder since its inception, have never been late on payments, and pay my balance in full every month. 

I received my XXXX statement, with a balance of {$940.00}. I made a payment of {$450.00} onXXXX XXXX. On XXXX XXXX, I made an additional payment of {$480.00}. Because of a glitch in their payment system, my first payment didn't show as processed. I normally receive an immediate notification and email that the payment was received, my card in the Apple XXXX goes white, and the payment button is no longer available. None of these things happened, so I submitted the payment again. The second time I submitted the payment all of the usual things happened ( notification, email, payment button unavailable ). About 15 minutes later I received an email that the first payment processed. 

So, I paid a total of {$1400.00} for a {$940.00} statement balance. 

I contacted Goldman Sachs immediately after receiving the email that the additional payment posted and was told that there was nothing they could do at that time, but that she would submit a claim to have it refunded. On XXXX XXXX I received an email stating that they had reviewed my refund request, but they were refusing to refund my {$480.00} overpayment. 

I called their " customer service '' number to inquire about the email and have never received worse customer service from a credit card company -- they are horrible! 

This theft by Goldman Sachs is unacceptable and should be illegal, if it isn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting act. The account list below 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 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 that 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 or 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: Student loan

I took out Federal and Private student loans for my college education. XX/XX/XXXX and again XX/XX/XXXX, I suffered a XXXX that forced me out of work and I had to halt payments on my student loans. I have yet to fully recover financially from the impact of those incidents, but XX/XX/XXXX, I began repayment of my loans through XXXX. 

I made verbal payment arrangements with them, and I began to send in my monthly payments via my online banking bill payment service as they provided physical checks to the lender for payment. For over 5 months straight, my payments were deducted out of my account and cleared ( I have scanned images of those checks having cleared and been stamped for deposit by XXXX ), but after 5 months I received a notice of default from them, stating I had not made any payments. 

Once I received this notice, I printed off the images of the cleared checks and contacted XXXX, and they indicated that they could not service or answer my inquiry as it was in default and sent to another loan servicer. I have since paid off those smaller accounts, but they are still showing up on my credit report as " closed-missed payments '' and prohibiting my ability to secure credit despite my excellent credit score. 

I am beyond furious as I feel helpless and without recourse after having paid as agreed, only to have them not ever post a payment to my accounts ( Where did my money go? ), but adding insult to injury, now I can not secure credit for something that happened 5 years ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

XXXX XXXX of XXXX, XXXX  keeps sending me notices about an almost past-due balance of {$XXXX}. The balance was due XX/XX/year>. I informed them that I will pay them once my direct deposit hits on XX/XX/year> because I only get paid once a month since I do not work and that I am a XXXX veteran. They have sent multiple emails already and this affects my XXXX as a XXXX veteran. I also found out that the vehicle that I financed with them has manufacturer defects and the issues of the defects are on-going since purchasing it from the dealership of XXXX XXXX XXXX XXXX XXXX North Carolina XXXX The sales person XXXX XXXX knowingly sold me the vehicle with the defects. He only had XXXX XXXX it around the lot XXXX time and that was it. The door sensors are faulty and keep going off and the transmission is faulty because the vehicle has cut off on me a few times while putting it in reverse and it stalls whenever I put it in reverse.
Product: Credit reporting or other personal consumer reports

This Complaint is regarding Experian not fulfilling its legal obligation under the Fair Credit Reporting Act to conduct a reasonable Reinvestigation on my Consumer Report. Leaving Misspelling of Names, Wrong Social Security Numbers ( Stating the addresses are attached to accounts which I was currently Disputing. The Consumer Financial Protection Bureau recently Filed a lawsuit against Experian alleging the Systemic issues such as failing to forward Consumer Provided evidence to furnishers along with accepting unreliable Responses and failing to Adequately notify me as a Consumer of the dispute outcomes. these Failures align with my experiences as well as my results. I've also sent Documents requesting validation of Debt to the listed XXXX XXXX Account per the Company Representative They Only received a Dispute on One of the XXXX  XXXX accounts when there were Two listed accounts ( due to me being a XXXX XXXX  they are not collecting on this debt and requested the removal of the accounts only XXXX of the XXXX  XXXX Accounts has been removed, I'm asking under the FCRA 605 ( B ) This account with XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

calalry portfolio services, LLC says i owe them money and i have tried to resovled the problem because i dont know anything about this debt with cavalry portfolio services , LLC i dont have a contract with them i havent even signed any papers with them they have damaged my credit report for something i dont know anything about. they are invading privacy