23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX sold the account to Shellpoint in XXXX XXXX. I made a payment of {$1300.00} in XXXX for the month of XXXX which did to post to the account but cleared my bank. I have provided them with proof of payment. They sent a payment history that did not show the payment at all and said the issue was resolved. I have called this company MULTIPLE times trying to get this corrected since XX/XX/XXXX. The first call, I was told the would get straightened out. Since then, I have call every other month only to be told to call back. It first showed up on my credit report in XX/XX/XXXX. 
This loan was also part of a bankruptcy at one point and I was also told, it should not report at all to my credit bureau. I want this completely removed but more importantly, I need this loan to reflect the correct month due. I typically pay my mortgage between the XXXX XXXX XXXX XXXX of the month. I have not been 30 days past due. 
The payment I made today says it for XX/XX/XXXX, when if my payment had posted from XX/XX/XXXX in the amount of {$1300.00}, the payment I made today would be for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I addressed the credit bureaus concerning these accounts first item as of date reported XX/XX/XXXX the amount of the debt is {$460.00} open on XXXX XXXX balance stated to be {$610.00} according to the Fair Credit Reporting Act any unauthorized and unverified account must be removed immediately
Product: Mortgage

I am writing to report an issue with my mortgage loan, initially taken out with XXXXXXXX XXXX XXXX  The agreed-upon payment was {$1700.00}. However, after the loan was transferred to two other companies, now serviced by XXXX, my monthly payment has escalated to {$2300.00}. This increase was first attributed to insurance, which I was not informed about, and now to taxes, despite my payments into an escrow account. I have attempted to resolve this with XXXX, including notifying them of a year-long absence due to XXXXXXXX XXXX XXXX orders, but have received no response. Additionally, I was never notified of any impending changes to my payment. The lack of response and transparency is concerning, and I seek your guidance on how to address this issue.
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. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - XXXX : Account Number:XXXX Account Name : XXXX  XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/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 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

XX/XX/year>, I looked at my report. I sent a letter to experian on XX/XX/XXXX asking them to reinvestiagate these accounts : Account number XXXX, Account number XXXX, Account number XXXX, Account number XXXX, Account number XXXX Account number XXXX XX/XX/year> they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure 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.

and according to 15 USC 1681s-2 this is suppose to happen ( 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. 

Experian really did not reinvestigation they lied on an offical document saying they did something they did not do
Product: Debt collection

My ex husband decided on his birthday to open a account n get a phone under my information. It's not mine. And XXXX  hit and I'm XXXX so I can't pay all this but need my credit back Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX  Inquiry Date :XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 14. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 15. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-Unauthorized inquiry by Identity Theft 16. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 17. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 18. Company Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Debt collection

I recently decided to sign up for a credit monitoring service so I could check and monitor my credit. My family is looking to purchase a new home in the near future. Upon doing this I noticed some collections that are of big concern to me and I feel are in violation of my rights. ProCollect is stating that I owe them {$270.00} three times on my credit report from a company called XXXX XXXX XXXX XXXX. The account numbers are Procollect # XXXX, XXXX & XXXX. In addition, all XXXX dates reported are for XXXX 2015. I have never visited this company in order to get XXXX bills for the exact same amounts. I have written ProCollect starting XX/XX/XXXX and they have not validated that I have XXXX medical debts for the exact same amounts with the same company. I can not get anyone from Physicians Emergency care when I tried calling to verify I have XXXX bills owed for the same amounts. Since ProCollect has not verified the accounts after 2 attempts by mail. My belief then is that they are in violation of the Fair Debt Collections Practices Act and the Texas Finance Code for placing multiple collections on my bureau for the same thing. Due to this it is my belief that they should be removed ASAP from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ACCORDANCE OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
Product: Money transfer, virtual currency, or money service

2 XXXX transfers were sent in the amount of {$200.00} each from my account on XX/XX/XXXX that I did NOT initiate. I called Capital One immediately when I noticed a XXXX transfer. They stated it went to a XXXX XXXX which I do not know a XXXX XXXX. During that time I was on the phone with capital one I told the lady I received a few texts about my number needing verified from some company and other fraud texts as well. Today I received notification my 2 claims was denied with this response : We finished looking into your claim and didn't find an error. 
No error? Interesting. I dont understand how theres no error when this was not completed by me. I later have learned XXXX has ZERO protection for fraud etc. So much for banks having your back with your money.
Product: Credit reporting, credit repair services, 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  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 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, credit repair services, or other personal consumer reports

Bank XXXX XXXX account is still showing derogatory remarks such as late payments. I contacted the credit bureaus for the removal of these late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX  Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name : XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXX on or around XX/XX/2017Below these addresses are not associated with me and I have never lived at.

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

I think may be a victim of identity theft. Account not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been with B/America for over XXXX years. I was a XXXXXXXX XXXX customer since XXXX, B/America bought XXXX XXXX  out and I'm considered a long standing customer for over 38 years. My credit score was XXXX and now it's only XXXX, because I paid my mortgage off in XX/XX/XXXX. Since that date my credit score has continually fallen, because they claim I don't carry a evolving monthly charge or loan amount. This has caused me to miss out on lower interest rates. I recently tried to buy a vehicle and the interest rate was over 7 %. They claim, that XXXX shows no signs of reoccurring monthly charges for the reason of a higher interest rate.
Product: Credit card or prepaid card

I HAVE PAID AN ACCOUNT IN FULL XX/XX/2021. I DISPUTED THE INFORMATION ON MY CREDIT REPORT A FEW WEEKS LATER AND THE CREDIT CARD COMPANY IS STILL SHOWING AS A COLLECTION ACCOUNT ON MY CREDIT REPORT AND STILL SHOWING THE ORIGINAL CREDIT CARD ACCOUNT. I NOW HAVE TWO RECORDS SHOWING ON SOME CREDIT REPORTS FOR ONE ACCOUNT THAT HAS BEEN PAID IN FULL.
Product: Debt collection

In XX/XX/year>, I contacted the debt collection company LVNV Funding regarding accounts that they began reporting on my credit report. I notified the debt collector that I moved and I never received the initial communication regarding their ownership of the accounts. After filing a complaint with the CFPB, I was finally able to receive the initial communication regarding the debts through the assistance of the Bureau. After I received this initial communication through the Bureau, I contacted the debt collector LVNV Funding and notified them that I disputed two of the accounts that they currently own. Both debts are invalid for different reasons. One debt I did not sign for, and the other debt was paid off to the original owner of the debt and neither the original owner of the debt nor I have ever heard of the alleged debt collector that LVNV Funding purchased the account from. 
The issue is that LVNV Funding owns multiple debt accounts that they claim belong to me and that I am responsible for paying the debt. I remember recently paying off at least three debt accounts owned by LVNV Funding. However, when I inquired if any of payments that LVNV Funding received from me was applied to any of the debts that are currently in dispute, LVNV Funding refused to provide any answers to my inquiry because the supervisor that I was speaking to stated that although the debts are currently being reported on my credit report as collections, they can not provide me any information regarding the debts because there is a cease and desist on all active debt accounts that LVNV Funding currently owns that belongs to me. I do not want any funds that I paid on accounts that I claimed responsibility for applied to any debts that I dispute. In addition to that, even after I notified this debt collector that I dispute the debt, they continued their collection efforts that included making phone calls to me prior to XXXX my local time! I believe the acts of LVNV Funding constitute violations of the Fair Debt Collection Practices Act. I feel that LVNV Funding continuously violates my rights as a consumer by their unfair business practices.
Product: Debt collection

This is a follow up to CFPB Case Number XXXX Revco Solutions XXXX XXXX XXXX XXXX, OH XXXX Revco Solutions Reference # XXXX. 
Since XXXX Revco Solutions has been trying to collect a debt from an automotive repair shop in the amount of $ XXXX - I wrote Revco Solutions informed them that the debt was not mine and requested they prove the debt is mine by providing a copy of a form or agreement that I signed obligating me to the debt. XX/XX/XXXX - Revco Solutions responded by providing me a copy of a statement from an automotive repair facility with my name on it and informed me that Revco Solutions was terminating further collection efforts. XX/XX/XXXX - I informed Revco Solution they had failed to provide proof of the debt being mine. Providing a copy of an account statement, with my name on, did not constitute providing a copy of a signed credit agreement. 

XX/XX/XXXX Revco Solutions responded stating " In response to your Consumer Financial Protection Bureau complaint, XXXX XXXX XXXX XXXX provided a copy of the Application for Credit with your information and signature as the Applicant. Revco will provide a copy of the Application to you under separate cover. Revco verified no reference to the Account by Revco is on file with any of the XXXX XXXX XXXX XXXX. '' The mentioned copy of the Application for Credit with my information and signature as the applicant has not been received. The Revco CFPB response of XX/XX/XXXX has successfully distracted addressing the wrongful attempt to collect a debt. The debt is still showing up on my credit report and damaging my credit history. 

Sufficient time has now passed for Revco to have provided proof that the debt was mine and they failed to do so on numerous occasions. They have repeatedly been asked to provide this information since XXXX of XXXX. The XXXX mark on my credit remains. 

Revco stated in their XX/XX/XXXX response that " Revco verified no reference to the Account by Revco is on file with any of the XXXX XXXX XXXX XXXX. '' This is not a true statement. 

Basically Revco provided a response on XX/XX/XXXX that was filled with false information to simply close CFPB Case Number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unemployed for months in XXXX. I was unable to get unemployment for months due to the pandemic. 
I sought out arrangements for my accounts. 
XXXX XXXX- I deferred 2 payments XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX- prior to the account being delinquent I used my credit card insurance XXXX XXXX I used my credit card insurance, According to the cares act if the arrangements were made prior to the delinquency then the account has to report as it was, the credit bureau has not followed this rule. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Final Dispute Notice Demand for Immediate Deletion of Inaccurate and Unverified Items To Whom It May Concern, This letter serves as my third and final attempt to resolve the numerous inaccuracies and violations of consumer protection laws found in my credit report, as provided by XXXX. I have repeatedly requested that these errors be corrected or deleted, yet XXXX has failed to comply, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX reporting standards. 

The continued presence of these false and unverified accounts and inquiries has severely impacted my financial well-being, including denial of credit and other essential services. As XXXX is already under legal scrutiny due to recent lawsuits, I will not tolerate further neglect or failure to act in accordance with federal law. 

Disputed Items ( Demand for Deletion ) The following items must be immediately deleted, as they have been improperly reported and remain unverified : XXXX. Collection Accounts & Charged-Off Accounts Several collection and charge-off accounts listed in my report have failed to meet legal verification standards. Under the FCRA, unverified accounts must be removed. 
XXXX. Incorrect Personal Information My personal information, including name variations and addresses, contains multiple errors. These inaccuracies contribute to further misreporting. 
XXXX. Hard Inquiries Unauthorized and outdated hard inquiries remain on my report, negatively affecting my creditworthiness. These inquiries must be deleted immediately as they were not initiated with my full and verifiable consent. 

Violations & Legal Consequences By continuing to report inaccurate and unverifiable information, XXXX has engaged in : Defamation By publishing false and damaging information that has led to financial harm. 
Negligence By failing to follow reasonable procedures to ensure maximum possible accuracy. 
XXXX XXXX with FCRA XXXX XXXX XXXX Standards Resulting in my inability to obtain credit, impacting my livelihood. 

If XXXX fails to comply within 15 days of receiving this letter, I will have no choice but to proceed with legal action, including filing a lawsuit for defamation, willful negligence, and financial damages related to lost opportunities and emotional distress. I will also seek statutory damages, punitive damages, and attorney fees, as allowed under the FCRA. 

This is your final opportunity to correct these violations outside of court. I expect written confirmation that these items have been deleted ( not updated or corrected ) and that my report has been fully rectified. 

Failure to respond appropriately will result in immediate legal escalation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing XXXX XXXX to post to my credit report new charge offs each month. Experian will not open a new dispute. XXXX XXXX charged off an account XX/XX/XXXX they have now reported the same account number newly charged off XX/XX/XXXX, XX/XX/XXXX. Experian needs to take the charge offs off my credit report as they did not have a full investigation.