23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My wife received a letter in the mail pertaining to fortiva credit and she contacted them they asked for documentation in regards to my wife 's statement that there was identity theft on my credit as well as hers her info was leaked from one of the credit Bureau and mine through a company I applied at for employment and received a notice which was sent along with the item which provided info leaked such as name, since, address, phone, dob my wife and I have never spoke to company before calls came in but they constantly call and make assumptions that my wife and or myself opened cards with said company
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding multiple accounts that I have disputed over the past XXXX months. Despite providing detailed dispute letters and requesting verification, Equifax has neither verified nor corrected the inaccurate information on my credit report. This failure has resulted in ongoing harm to my credit profile, financial opportunities, and emotional well-being. 

The disputed accounts include, but are not limited to : XXXX XXXX Account XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Errors and Violations Identified Failure to Investigate Disputes within XXXX  Days Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) requires Equifax to investigate and resolve disputes within XXXX  days. Despite my repeated disputes over XXXX months, Equifax has failed to verify these accounts. 
Impact : The continued reporting of inaccurate and unverified information has damaged my credit score and limited my access to credit opportunities. 
Failure to Delete Unverified Information Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) mandates that credit reporting agencies delete disputed information if it can not be verified within 30 days. Equifax has not deleted these accounts despite failing to provide verification. 
Impact : Inaccurate and unverifiable accounts remain on my credit report, causing ongoing harm. 
Inaccurate and Misleading Reporting Violation : FCRA XXXX ( b ) requires Equifax to ensure maximum possible accuracy in credit reporting. The following issues demonstrate a failure to meet this obligation : Duplicate Accounts ( e.g., XXXX XXXX XXXX and XXXX ) with identical details. 
Conflicting Balances and Payment Histories ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX late payments vs. XXXX late payments ). 
Illogical Dates ( e.g., future start dates of XX/XX/year> ). 
Impact : These inaccuracies misrepresent my financial standing and mislead potential lenders. 
Failure to Provide a Meaningful Investigation Violation : FCRA XXXX ( a ) ( XXXX ) requires Equifax to conduct a reasonable investigation when a dispute is filed. XXXX failure to provide any meaningful updates or verification demonstrates a lack of reasonable investigation. 
Impact : This has caused undue frustration, stress, and financial loss.
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. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX
Product: Mortgage

Nationstar Mortgage, LLC dba Mr. Cooper took over the servicing of new home mortgages in a 55+ community in early XXXX. Most of us closed escrow the end of XXXX. The community is XXXX XXXX XXXX XXXX XXXX in XXXX, CA. Around XXXX of XXXX, Mr. Cooper sent out refund checks and lowered everyone 's mortgage payment indicating to the residents that their Escrow Accounts had been over-funded. Now, in XXXX of XXXX Mr. Cooper sent out a notice to those same residents that beginning with the XX/XX/XXXX payment - everyone 's payment is increasing by hundreds of dollars in order to pay back the current shortage within a YEAR. This increase for me is over {$650.00} per month from what I've been paying {$360.00} a month more than what I initially qualified for. How can Mr. Cooper possibly expect these residents to pay so much more for so long on a month 's notice. Upon scrutiny I discovered these refunds were sent out before Mr. Cooper had even paid the Property Taxes for the first year. Surely a credible servicer would have known that Property Taxes needed to be paid. Their notice ( attached ) indicates there were changes made by taxing authorities and insurance providers which is totally false - everything has remained the same. The problem was caused by Mr. Cooper 's own gross incompetence. I believe hundreds of people are affected, maybe more. Most people are retired, on fixed incomes, many are widowers, and most are unable to pay this outrageous increase and fear they may lose their homes.
Product: Vehicle loan or lease

The loan was paid off on XX/XX/XXXX According to the South Dakota DMV " It is the responsibility of the lienholder to have the lien against the record holder released by the county treasurer within 20 days after final payment. '' Huntington Bank disputes this requirement. They still have not sent me a copy of the lien release or proof that they sent the lien release directly to South Dakota. 
This vehicle was sold on XX/XX/XXXX. I am still waiting on Huntington Bank to release the lien so I can provide the title to the new owner
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX account opened XX/XX/XXXX XXXX Last payment was for {$300.00} on XX/XX/XXXX. On this date I chose to call and pay the remaining balance on the account in full and voluntarily close it. It was not until XX/XX/XXXX, when I received a phone call from RCS collection agent XXXX XXXX that I found out my account was not closed. 

Even though I asked that the account be closed, XXXX sold the account on XX/XX/XXXX without notifying me. This was done just 2 days after I believed I had closed my account voluntarily. One department obviously didnt know what the other was doing. 

The company XXXX sold my account to, continued to try and auto withdraw monthly payments from my bank. Suspecting fraud, I called XXXX the following month to make sure the account was closed as requested. A XXXX agent told me that I no longer had an account with them, so I assumed it had in fact been closed. Later I found out that XXXX declined and returned the {$300.00} payment I made to close the account, because it had already been sold. XXXX said that because they no longer owned the account, they were no longer allowed to give me any further information. 

Because I did not recognize the name of the company trying to draw funds from my bank I closed the checking account they were drawing from. 

No one contacted me by mail, email, or phone to tell me the account was still open or had been sold to : Resurgent Capital Services ( RCS ). XXXX. 
That account, ID # & & XXXX, came to them with no late reports and showing a balance due of {$790.00}. Again. I can only assume that the increased balance of {$790.00} amount was due to added late fees applied after the account was sold. 

RCS claims that they tried to reach me through the mail, but later acknowledged that they had an incorrect mailing address and email address on file. I never received correspondence from them. If I had received any of this correspondence, I would have dealt with it immediately. 

RCS manages this account for yet another 3rd party, LVNV Funding who hired XXXX XXXX to collect the amount of {$790.00}. LVNV-XXXX  continued sending notices to the wrong address, so I was unaware anyone was trying to reach me. 

On XX/XX/XXXX, I received my first phone call about this matter from XXXX XXXX with RCS. She said that in reviewing the account there was clearly sufficient evidence to dispute the false reporting. She immediately placed the account in Dispute Status. She provided proof that XXXX XXXX tried to reach me at an incorrect address. 
( attached ).
Product: Vehicle loan or lease

Purchased a vehicle on XXXX XXXX and realized that the car does not have automatic locks and manual roll down windows. On XXXX XXXX XXXX XXXX XXXX, I cancelled the transaction due to this because of safety concerns for myself and my dogs that are frequently in the car with me. I never signed the contact for the vehicle. I contacted carvana about the {$1900.00} shipping fee to see if this could be reimbursed because the car had not shipped yet and told them my concerns about not having automatic locks. They refused to refund the shipping fee because it was over XXXX hours ( it was approx. XXXX hours when I cancelled the purchase ). 

Its difficult to even get in touch with anyone from Carvana ( only received a call after submitting a XXXX  complaint ) - they will only text you generic responses and are unable to speak with a manager to discuss. I am requesting a full refund for the shipping fee. I feel completely scammed and cant believe they are not refunding for a car that never shipped and went immediately back online for sale when the purchase was cancelled. 

Contacted XXXX  by Carvana after requesting a call back on XXXX and missed the call. Was unable to call them back directly on that number. 

Contacted by XXXX XXXX XXXX, ( after submitting a XXXX XXXX XXXX complaint ) via phone ( on a phone number that is not accessible to call the company - XXXX ), and was informed that the shipping charge would not be refunded even though the vehicle did not ship and immediately went back online for sale. He became extremely nasty on the phone ( to the point where I was visibly upset ), and informed me that if I pursued anything against Carvana that it would be a " waste of my time. ''
Product: Debt collection

In XX/XX/XXXX, I was notified that a collection account under the name of Diversified Consultants was placed on my credit report. I contacted the company and confirmed that the collection was for a XXXX account opened under my SSN in XXXX that went delinquent in XXXX. My biological father has, in the past, used my SSN to open fraudulent accounts and was XXXX  by the state of NC a few years ago, XXXX XXXX XXXX  XXXX  for his crimes. I was advised by my credit monitoring agency to dispute the claim with both XXXX - the CRA that the collection appeared on - and with XXXX directly. TransUnion concluded their investigation and removed the account from my report. I was further advised to file a police report and an Identity Theft Report with the FTC, which I did. Unfortunately, XXXX refused to do so stating that my fraud claim was denied due to - " Information on the account ties to a relative in a public records search or the documents you provided. '' This seems unacceptable that I would be denied a fraud claim simply because the individual who committed the fraud is a relative of mine, with whom I have had no relationship with in well over two decades.
Product: Mortgage

My loan servicer is the Gregory Funding LLC. The origignal lender is-XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. All my mortgage payments made until XX/XX/2020 were hid, converted and never reported/disclosed by the Lender to all 3 Credit Bureaus XXXX As a result of COVID-19 global health outbreak, I was hit hardest, struggle with extreme hardship, as indicated in attached letters. I asked the Lender under CARES Act for the Forbearance or other repayment plan. Three times I mailed a full package substantiating the proof of hardship attached with the Forbearance Agreement. The Gregory Funding LLC and XXXXXXXX XXXX XXXXXXXX received, verified and confirmed full satisfactory evidence for further processing. Thereafter the Lender defrauded and cheated me, by accelerating a Forelosure proceeding. Please review the attached and contact the XXXX. Please review the XXXX website for alarming records of other victimized homeowners complaints against the Gregory Funding LLC. That raises a red flag. The Government keeps a blind eye over this suspicious company.
Product: Debt collection

General Revenue is the company. My bankruptcy was back in 2010. Since then I get constant calls and mail saying " we're not attempting to collect a debt this is for information purposes only. '' yet they continue although I've asked them many times to stop and returned their mail. The company has changed hands several times but it never changes. They've called me 20 times since XXXX. I've called and asked them to stop bothering me but they do not. They've even sent registered mail- which I decline.
Product: Money transfer, virtual currency, or money service

Coinbase transfer to a FRAUD SCAM Brokers : XXXX XXXX. 

I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XXXX of XX/XX/2019. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. 

The funds were transferred utilizing Coinbase 's services in the total amount of XXXX GBP! 

I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$39.00}
Product: Debt collection

I was paying acima for a product I received from them, Ive paid majority of total but had a balance before the terms finished, I received a collection saying I had to repay the whole lease term I feel as they are committing fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing these accounts with Experian, nothing ever gets resolved, they always say, accounts were verified. These accounts do not belong to me. 


XXXX XXXX XXXX -ACCT # XXXX {$2200.00} XXXX XXXX Acct # XXXX {$450.00}
Product: Credit reporting or other personal consumer reports

I have verified my records and can confirm that this account should only appear once. It is reporting twice with a different account number. Account XXXX is reported closed while account XXXX is still reporting as open when it is indeed close. The duplicate listing is negatively affecting my credit score and misrepresenting my credit history. Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and complete. 

Attatched are the dates, I'm afraid as to reporting account XXXX account as " closed '' because it was indeed closed at the same time account XXXX because it is the SAME account. I included the account payment details which show 99 payments history on account XXXX and only 88 payments on account XXXX which are all the same except for the payments that were not posted.
Product: Credit reporting

This letter is being sent to you in response to a listing on my credit report from EQUIFAX. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to 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 specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from EQUIFAX. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding violations of federal consumer protection laws by EQUIFAX it reporting agency and creditor, who are inaccurately reporting late payments on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Under 15 U.S.C. 1666b, a creditor may not treat a payment as late unless a periodic statement is mailed or delivered at least 21 days before the payment due date. I have not received any such statements. Reporting late payments without compliance violates this law. The law does not state that payments automatically become 30 days late, yet this is being reported inaccurately.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting late payments without verifying the creditors compliance with 15 U.S.C. 1666b fails to meet this standard. The creditor has also not provided proof that proper disclosures were sent, violating 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ( i ), which requires verifiable information. Reporting such unverifiable data constitutes fraud.

I previously sent a detailed dispute letter to the credit reporting agency, including copies of my drivers license, Social Security card, and FTC identity theft report, clearly explaining these violations. Despite this, the credit reporting agency has failed to take corrective action, and the late payments remain on my report. 

I request that these inaccurate late payments be removed immediately and that corrective actions be taken to ensure compliance with federal laws.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$7900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I am a victim of identity theft JPMCB Card XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX