23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with a balance of {$710.00} that appears related to the aforementioned Fraudulent accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In early XXXX I received the copy of my yearly escrow account balance with a refund check of approximately {$2700.00} and notice that my monthly payment would decrease by {$350.00}. After review of the document it was clear that they made a mistake by the company saying my property taxes were scheduled to fall from $ XXXX/year to $ XXXX/year. I called the company and spoke with a representative. She indicated she would refer the case back to the escrow account department and thatd I hear back. I never heard back so a month later in early XXXX I called back. I spoke to another representative and she agreed they messed up the calculation. She said she could tell that they used the wrong county to calculate my property tax rate and thats why it was showing a much lower amount. She said they would be updating the new monthly payment amount before my XXXX payment was due. She also advised I should deposit the original check into my checking account and then repay Penny Mac that amount back into the escrow account. By XXXX the monthly payment did not update and I have heard nothing further from the company if they will actually be updating my monthly payment info. In the meantime I am having to withhold an extra $ XXXX/month because I know they are grossly under collecting for my taxes and I do not want to be billed for {$4000.00} next year when they realize they messed up.
Product: Credit reporting or other personal consumer reports

I sent a settlement offer last month to the point of no avail, so I am sending it via XXXX to ensure this reaches the collection agency. I am asking Portfolio Recovery to please respond to this offer via XXXX to avoid miscommunication. Please see the attached settlement letter which is dated, and time stamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lvnv Funding LLC has been reporting an account on my credit report in the amount of XXXX. The collection has been reported as a charge off. When I research this company it also comes up at Resurgent Correspondence at XXXX XXXX  XXXX XXXX, SC XXXX. I have never done business with either of these companies and the company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX  / XXXX  is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a Charge Off if it has a XXXX   balance? 

XXXX  and XXXX XXXX  have refused to correct this error. I have disputed it numerous times. But XXXX  and XXXX XXXX  have refused to correct the error. 

I am attaching a letter with a copy of the statement showing a XXXX balance sent by XXXX   / XXXX XXXX  date XXXX. This should serve as proof of the mistake by them.
Product: Payday loan, title loan, or personal loan

I have a loan with freedomfinancialnetwork.com and I am currently 29 days past due. 
I attempted to make a payment via the online portal and it would only allow me to make a payment on XXXX when today is XXXX. 
I realized this would put me 30 days past due. 
I called their customer support line to find out what alternative means there was to get the payment in today XXXX or tomorrow XXXX. 
I was informed there was no means other than their system which sets the payment posting date 2 days after a payment is made. 
They do not offer any other means such as a money order via next day delivery service, XXXX or XXXX XXXX where the funds are guaranteed to credit the same or the next day even though they will accept the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX .... violated my rights - XXXX XXXX XXXX XXXX States that I have a right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX .... 
Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Before Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status XXXX through Bankruptcy XXXX XXXX. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

After Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance $ 348 Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status XXXX through Bankruptcy XXXX XXXX. 
Comment Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Mortgage

Frustrating to get a hold of any one to do a loan modicationi believe i got bad loan. home depot failed to properly process and underwrite home mortgage loans backed by the U.S. Veterans Administration. Bad underwriting often results in higher than average default rates. When that happens, both taxpayers and veterans lose like myself. please help me get loan modification.i believe i got bad loan. XXXX XXXX failed to properly process and underwrite home mortgage loans backed by the U.S. Veterans Administration. Bad underwriting often results in higher than average default rates. When that happens, both taxpayers and veterans lose like myself. please help me get loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am filing this complaint for the THIRD time because upon my research it appears that Lexisnexis is furnishing invalid, inaccurate, unauthorized, and unverifiable information on without written consent. I have wrote to courts and pacer and i have proof that each one of the do not provide information to third parties companies such as LexisNexis. Lexis Nexis promotes fishing bankruptcies on Pacer which is a third party who search for information and sells this consumers information without written consent. By reporting this information it has terribly harmed my ability to obtain credit and caused great harm to financial well being. I demand that this information based on the my permission. LexisNexis provides inaccurate unauthorized and unverifiable information on companies Verified and Unverified consumer reporting list. I have attached my supporting documentation to this complaint. I demand this information be deleted immediately from my profile on your verified and your unverified consumer reports, By reporting this information you are in violation of multiple consumer laws in including privacy law *15 USC SEC *** ( a 4 ) *15 US Code** b Permissible purpose of consumer reports *15USC*** a ( e ) Investigative consumer report by the provisions By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from report immediately. It is my understanding that you will recheck these items, and remove immediately. Also, since The Company wants to fabricate on last letter ( XX/XX/2022 ) attached is copy of my ID and proof and resident and email from Lexisnexis showing that have received my verification dated ( XX/XX/2022 ). I would like to know who gave Lexis Nexus permission to put XXXX XXXX bankruptcy on credit profile. I need to see a wet signature, and I am going to keep filing a complaint because LexisNexis is lying and never tried contact me via email STOP! falsely putting thing on these letters to cover up your wrong doings.
Product: Credit reporting or other personal consumer reports

XX/XX/23 Opened XXXX XXXX XXXX at a store location through customer service. 

I never received the credit card or credit card statements. 

XX/XX/23 I contacted XXXX XXXX card services to report that my credit card was never received. Customer services representative updated my address on my profile. The address on file was incorrect, so the credit card and statements were going to the wrong address. Customer service stated that my account was more than 30 days past due. I immediately paid the account and requested that the late payments and late payment reporting be removed from my account and credit report. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent a letter stating that all reference to late payments have been removed and removal has been reported to XXXX, XXXX, XXXX and TransUnion. 

XX/XX/23 Contacted XXXX XXXX XXXX XXXX after contacting all XXXX credit bureaus because the late payment reference had not been removed from my credit report. Customer service representative stated that they would send the information to remove late payment reference. Employee refused to give me any confirmation number of action or their employee ID number XX/XX/23 Contacted XXXX XXXX XXXX XXXX again because because late payment reference still not removed. Customer service representative stated they would review my account again. I requested the employee 's ID number. Employee refused to give me any confirmation number of action or their employee ID number. Requested to speak to a supervisor, who also just stated that they would review my account. Supervisor refused to give me their ID number. Supervisor would also not transfer me to a higher level supervisor. The supervisor, XXXX, stated that she would sent the request to all credit bureaus to remove the late payment charge. She would not confirm that I would receive a response from XXXX stating that such action was taken, nor would she provide me a confirmation number or anyway to follow up on this outcome.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent BILLING ERROR ; REQUEST FOR DOCUMENTARY EVIDENCE I wish to clarify a billing error which I have reason to believe and do so believe has been delivered to me in accordance to 12 CFR 1026.21. Please provide me the Documentary Evidence pursuant to 15 USC 44
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. 

XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX  : XXXX has violated my rights. 


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: Debt collection

Subject : Dispute and Request for Investigation of Fraudulent Collection Account - Possible Identity Theft To Whom It May Concern, I am writing to formally dispute an account on my XXXX credit report that appears to be the result of identity theft. The account in question is listed under Qualia Collection Services for the original creditor XXXX XXXX, with a balance of {$2000.00} reported as past due as of XX/XX/year>. Below are the details of the account : Original Creditor : XXXX XXXX  Date Opened : XX/XX/year> Account Type : Collection Status : Collection account, {$2000.00} past due Status Updated : XX/XX/year> Balance : {$2000.00} Terms : 1 Month Contact Information : ( XXXX ) XXXX I have never rented from or had any association with XXXX XXXX. I have lived at the same address for over 10 years, and I have no history or record of any lease agreement with this company. The sudden appearance of this collection account on my credit report is an indication of fraudulent activity and unauthorized use of my personal information. 

I am requesting that XXXX conduct a thorough investigation into this matter and remove this fraudulent collection account from my credit report. To support my dispute, I am prepared to provide the following : 1. Proof of my residential history, confirming that I have lived at the same address for the past 10+ years with no association with XXXX XXXX XXXX 
2. A police report documenting the identity theft case. 
3. An identity theft report filed with the Federal Trade Commission ( FTC ). 

Please update me on the status of this investigation and the steps being taken to rectify this situation. It is crucial that this inaccurate information be removed to reflect my true creditworthiness. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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
Product: Credit card

THIS COMPANY HAS ILLEGAL SOLD MY PROMISSORY NOTE AND PERSONAL INFORMATION AND ACCOUNT RECEIVABLES AS ASSET BACK SECURITIES TO INVESTORS WITHOUT MY CONSENT WHICH IS ILLEGAL AND IS SERCURITY FRAUD AND IDENTITY THEFT AND THEY SHOULD BE FINED AND HELD ACCOUNTABLE FOR THERE ILLEGAL PRACTICES.
Product: Debt collection

The original debt collector was given XXXX information after receiving their invoices. They had told me if I heard nothing back from their offices it would be cleared. I never heard back until I received a letter that it was in collections.
Product: Checking or savings account

I ordered a Conure ( bird ) on their website XXXX XXXX XXXX  for {$550.00} on XX/XX/2023. There is no credit card payment, just XXXX, XXXX XXXX  was the payment method. I was suspicious when I saw that. But still went ahead and payed on XXXX via my bank. Once I paid, they asked for additional {$200.00} for shipping, which I refused to pay as I already sensed scam, they agreed to ship the bird with delivery date as next day. The next day XX/XX/2023, they say the bird is shipped and are asking {$1000.00} for insurance again on XXXX  or XXXX XXXX, this time from some fake shipping company. I stopped paying {$1000.00} and now I lost all the money with no refund and no bird
Product: Student loan

I have made numerous calls to Nelnet about my parent plus loan erroneously showing as past due when it should be current because the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Nelnet has had independent confirmation of this from the school at least since XX/XX/23 and has failed to act to update the account, despite my numerous requests, escalations and complaints. For more than two months I have been told it would be corrected, and every date they promised has lapsed. In addition, Nelnet suggested to me more than once to consider using MY available forbearance/deferrment time to compensate for THEIR failure to update the account in a timely manner. I told them it was unfair for me to use any of my available 36 months of forberance/deferment because they can't update the account timely, despite admitting numerous times they have had all the information needed to do so, repeatedly.
Product: Credit card

Someone XXXX my XXXX account and charged my XXXX credit card for XXXX purchases. The items were delivered to the addresses I had on file within my XXXX account. I returned most of items through usps as refused. Chase card services is refusing the dispute and XXXX will not unlock my account or help me at all. I have {$2800.00} in credit card charges that were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Midland Funding added a derogatory remark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature of this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Midland Funding has violated my rights as a consumer, and I am requesting legal action to remove the account immediately.
Product: Debt collection

XXXX XXXX XXXX SUED ME ON THE BEGINING OF 2017 with the NJ SPECIAL CASE DIVISION COURT IN XXXX XXXX. XXXX XXXX XXXX. 
XXXX XXXX ( Original Creditor ) sold to Midland.funding ( XXXX XXXX XXXX attorney ) .Defendant answered the claim and request interrogatories. Plaintiff provide hearsay documentation with affidavit from the midland funding not the original creditor. Plaintiff did n't provided any agreement or sign documentation showing the name of the defendant. This credit card was opened in NY and they filed a lawsuit in NJ where the defendant currently lives. The judge thought that the documentation provided was enough and executed a judgement. Defendant provided a reconsideration to vacate judgement but the XXXX rebuttal stating that the judgement should be final and no reconsideration should be honor. Judge honor them a writ of execution which defendant never received from plaintiff by mail or by person. XXXX XXXX XXXX illegally provided a wage of execution and harras me me every time I was looking for a job sending wage execution notice to each employer. Currently and they know that I 'm unemployed and got a XXXX XXXX making me judgment proof status. Until today 's date we do n't have real documentation that midland funding is the new creditor and XXXX XXXX XXXX did not provide any crucial documentation. Even though there was a lawsuit from CFPB halt them to stop collection activities, the judge is aware of this but it was ignore.
Product: Mortgage

We were approved for pandemic related forbearance on our mortgage in Spring XXXX. In XXXX of XXXX we extended our forbearance through XXXX of XXXX. In XXXX we decided to pay the balance that accrued during forbearance and became current on our loan with no past due amount. 
While still in forbearance, we paid the approximately {$15000.00} outstanding amount and then requested that the forbearance be removed from our account. Despite all of these measures Citizens reported us delinquent and XXXX past due amounts now show on record with all 3 credit agencies. 
Citizens has provided us with a poorly worded letter acknowledging their mistake but with vague and incomplete timelines that risk further confusion and delayed resolution. And, the burden is on us to correct via dispute with each of the agencies. 
Citizens made this mistake. Citizens should directly reach the credit agencies to fix it and definitively tell them that we were never delinquent on our account. 
My credit score dropped from XXXX because of their error. As a small business owner during a pandemic this risks the financial security of my family and my employees. I am requesting that Citizens do everything possible to fix this mistake as fast as possible.