23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments of this account were a direct result of the COVID-19 pandemic. I was unable to make regular payments due to a lack of work due to the pandemic. Please remove the late payments.
Product: Mortgage

My loan on my home at XXXX XXXX XXXX XXXX, XXXX XXXX ' XXXX, ID XXXX was with XXXX. They sold the loan to XXXX, which went out of business without notification to whom they had sold the loan. XXXX pocketed some of the payments before becoming insolvent. XXXX XXXX XXXX said they had purchased the loan and had XXXX different balances, which varied by {$30000.00}. Then they sold the loan to XXXX XXXX which in turn sold the loan to Nationstar. After long negotiations Nationstar hasoffered XXXX trial payments of {$1500.00} with no further detail about what they are offering. 
This is exactly what XXXX did before they closed their doors. I maintain that these maneuvers are illegal and the loan balance of over {$310000.00} is ridiculous and illegal,
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA, XXXX credit bureau must furnish true and accurate information reported on the consumer. XXXX is required to obtain the original contract with the consumer 's wet signature to furnish a report on the consumer. XXXX XXXX XXXX has been reporting delinquent account information on to my credit report to harm my reputation and credit worthiness. I have never had any relationship with XXXX XXXX XXXX. I have disputed this account with XXXX more than once and XXXX has refused to validate the debt. Subsequently, the incorrect account has remained on my credit report. 

XXXX XXXX XXXX has sent written documentation confirming that an unlawful purchase in violation of the Privacy Act of 1974 took place of my personal identifiable information. XXXX XXXX XXXX is a third party, not a party affiliated with any agreement with XXXX XXXX, who is engaging in unlawful debt collection practices to harass consumers in to making payments towards fraudulent contracts. 

XXXX XXXX XXXX has provided documentation stating that the collection attempts are for a contract XXXX XXXX XXXX is not a party to. Failure to provide a written contract between XXXX XXXX XXXX and XXXX XXXX make the fraudulent relationship void ab initio. 

XXXX XXXX XXXX has kept record of my personal identifiable information without my consent. 

XXXX XXXX XXXX has made an unlawful purchase of my personal identifiable information with XXXXXXXX XXXX to engage in unfair and abusive debt collection practices. 

XXXX XXXX XXXX has furnished false reports to at least 3 credit bureaus, including XXXX, Experian, and XXXX, to harm the reputation of consumer XXXX XXXX without lawful proof of any debt obligation. 

All bureaus have willfully neglected their federal obligation to validate each debt before furnishing a report on the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating the Fair Credit Reporting Act, specifically, 15 USC 1681s-2 ( a ) ( 5 ) ( A ). As they are failing to report the alleged date of alleged first delinquency. A violation of the FCRA is a per-se violation of the FDCPA and a violation of the FCRA and the FDCPA is a per-se violation of the AFDCPA ( Arkansas Fair Debt Collection Practices Act ).
Product: Debt collection

I discovered I had an account placed with NCC, Nationwide Credit, while pulling my own credit report. I called them immediately and arranged to pay in full, though I am STILL unaware of what the charges are for. We are in the process of home buying and I wanted the account removed as quickly as possible. I was VERY explicit that I would pay the account in full, as long as the collection would be DELETED or REMOVED from all of my credit files and NOT merely updated to reflect a 'paid ' status. The employee I spoke with, XXXX XXXX, assured me that it would be DELETED and not just updated. I agreed to make payment, based on that conditional understanding. After the account was updated, and NOT deleted as agreed, I called them back at which point XXXX other employees apologized, but informed me that removing the collection was not possible. This agent was dishonest and deceitful in obtaining payment. She served as an extremely poor representative for this business, and for the hospital, XXXX XXXX XXXX, that hired this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Loans : XXXX XXXX XXXX Reported XX/XX/XXXX Highest Balance of : {$19000.00} Opened : XX/XX/XXXX ( XXXX, XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Account Status : Derogatory ( Auto Loan ) Remarks : Charged off as bad debt Purchased by another Lender Closed : XX/XX/XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00} Credit Limit : {$9000.00} Opened : XX/XX/XXXX ( XXXX, XXXX Mos. ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Amount Due : {$9200.00} Account Status : Derogatory Type : Credit Responsibility : Individual Remarks : Charged off as bad credit Canceled by credit Grantor Closed : XX/XX/XXXX Inquiries : XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Collections : XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$5700.00} Opened : XX/XX/XXXX Account Status : Open Type : Derogatory Responsibility : Individual Remarks : Placed for Collection Original Creditor Name : XXXX XXXX XXXX University Closed : No info
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and I recently checked my credit report and saw some fraudulent, inaccurate, and incomplete accounts that are being reported. Please conduct a reasonable investigation, state method of verification and DELETE all the accounts mentioned below. My driver 's license, social security card, and an identity theft report has been attached to this complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Account balance from creditor is higher than what has been reported to me by more than {$8000.00}. Contacted creditor and they stated the amount is the lower balance that I was aware of and that I have no delinquencies, but my creditor report shows otherwise.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$620.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$7000.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$11000.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$9700.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  Balance {$6200.00} Date Opened XX/XX/XXXX XXXX XXXX {$5600.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$4500.00} Date Opened XX/XX/XXXX XXXX XXXX {$2000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I paid {$460.00} to XXXX XXXX via the XXXX XXXX XXXX  The same day an unauthorized third party attempted to wire funds from my XXXX checking account for over {$3000.00}. Because of this, XXXXXXXX XXXX  completely shut down my account. Still, to this day, my account is being investigated by their asset management department, and I have lost all access until the investigation is final. Since I have no access, I had no way to verify that the payment to XXXX cleared other than to rely on XXXX themselves. 
To do so, I utilized the XXXXXXXX XXXX  which I have relied on for the last three years, to make my payments and view my payment history. I logged in multiple times to verify that the payment was showing that it did, in fact, clear and there wasn't a payment owed. It was only in the following month, when the next payment was due that it reflected that I owed two monthly payments. I immediately made both payments and contacted XXXX. At the time, I was advised that everything was current, and I had nothing to worry about regarding anything reporting to my credit negatively. Two days later, on XX/XX/XXXX, I received a notification from my credit monitoring software that a late payment was just reported to my report, and my score dropped XXXX points. 
Again, I immediately called XXXX and was told by the representative that he does see the XX/XX/XXXX payment, and he will submit this to the " Credit Department '' to remove this from my credit report. He advised me that it could take 45 days and suggested that I submit a dispute to help speed up the process. He then gave me a reference number to include in my dispute ( XXXX ). I immediately filed my dispute with the credit bureaus and followed up numerous times within the following weeks. 

On XX/XX/XXXX, I received a notification that XXXX had deemed the late payment valid and would not be removed from my credit report. I again contacted them immediately and spoke to two representatives that stated their credit department was not seeing the XX/XX/XXXX payment and requested that I send a screenshot of the payment history showing the XX/XX/XXXX payment. I sent them the screenshot and followed up via their instant online chat to ensure the requested document was received. The representative confirmed and called me to advise me that she would be escalating the matter to the appropriate department to ensure that this is resolved. On the same day, I emailed XXXX XXXX, the Director and Auto Executive of Customer Relations at XXXX, and am still awaiting a response. I can not access my bank account or statements due to XXXXXXXX XXXX XXXX investigation. 

This is not a mistake on my end. I have done all my due diligence in an attempt to get this matter rectified with no response. This has not only been detrimental to my perfect credit that I have worked extremely hard to build, but it is also preventing me from getting a XXXX XXXX that I have spent almost a decade in college to obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

account number XXXX I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering

my life financially. at this point I feel as if I am being bullied! According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Late Payment {$3000.00} XXXX  XXXX Late Payment {$0.00} XXXX  XXXX Collection {$0.00} XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Debt collection

After reviewing my credit reports, I have found invalidated information which has been reported by Hawkeye Adjustment Service, located at XXXX XXXX XXXX, XXXX XXXX, IA, allegedly opened on XX/XX/XXXX, that I dont recognize. To my knowledge, I have never received any notice or communication from this company previously. I disputed this alleged debt, in writing, on XXXX XX/XX/XXXX directly to Hawkeye Adjustment. Letter and certified mail/return receipt proof are attached to this complaint. This letter requested validation and proof of the alleged debt, that Hawkeye Adjustments legally owns the alleged debt, accounting of the alleged debt, their license and legal ability to collect debt in the State of Nebraska, among other pertinent forms of proof. 

On XXXX XX/XX/XXXX, I received a response from Hawkeye Adjustment in the mail dated XXXX XX/XX/XXXX. The response is also attached to this complaint. A self-generated List of Accounts by Hawkeye claiming XXXX this is an attempt to collect a debt. '' Besides not validating, verifying, or proving anything, this accounting of an alleged debt states that the last creditor activity was XXXX XX/XX/XXXX. If that is true, then this alleged debt is time-barred according to the laws of the State of Nebraska. More so to this point, there was no proof in their response that Hawkeye Adjustment is legally allowed to collect debt in the State of Nebraska, for which these operations require a license. Fortunately for me, the State of Nebraska posts a complete list of Licensed Collection Agencies on the Secretary of State website. This list was last updated in XX/XX/XXXX, and Hawkeye Adjustment is nowhere to be found on this list. I can only surmise that this company has been illegally operating in the State of Nebraska the whole time they have been wrongfully and illegally reporting unverified and inaccurate information about this alleged debt on my credit reports, for over 3 years according to their own documentation.
Product: Credit reporting or other personal consumer reports

I have a nonprofit organization that specializes in assisting individuals who have been impacted by human trafficking I myself the owner have taken multiple courses and certifications to be classified to determine whether someone has been XXXX XXXX XXXX XXXX XXXX, and I have tried multiple times with both XXXX and Equifax with assisting my client and there giving me pushback stating that the documents that we are submitting are not valid, which is incorrect.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed a perkins loan from on my credit reporting as XXXX University. I contacted XXXX University and they informed me that the XXXX is not with them and it is XXXX XXXX loan. 

I have no knowledge of repayment and the creditor did not inform me before submitting the information on my credit report. This level of negligence go against the FCRA. I have asked the Credit bureau Experian to verify the account and they informed me that the account is accurate. The contact number provided on this account is incorrect as well. 

Due to inaccuracy on this report I demand that this account remove from my credit report.
Product: Debt collection

This account is listed on my credit report as being opened on XXXX/XXXX/2017, for {$450.00}. i did not authorize any purchases to this company ( XXXX ) and this debt collection agency is not licensed in my state to collect this debt.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT AARGON COLLECTION AGEN XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX AARGON COLLECTION AGEN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1981 ADDRESS XXXXXXXX XXXX  XXXX, XXXX, FL XXXX
Product: Mortgage

Tried to get loan modification ..Nationstar mortgage kept losing my faxed documents.2 and a have years later, they send me paperwork.My new payment amount {$290.00} and change. then a letter with different amount. I also signed up for auto withdraw.I told them no withgraw on XX/XX/XXXX as per agreement. They sent letter to remind me I now had to send {$370.00} in check by XX/XX/XXXX. I waited till XX/XX/XXXX to make sure no autowithdraw. there was none I sent check, two days later they withdrew money. I had to cancell check. {$30.00}. In short every thing they have told me about has been a lie.I did sign the loan w/this company anyway, they ( bought ) my loan. please help..
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries were made on my XXXX, Transunion, and XXXX credit reports without my knowledge and consent. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX