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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

Venmo finally remedied my last complaint. I had unauthorized transactions. I wasnt sure who was doing them my card would go missing. Until the other day when my ex roommate stopped by on my payday. When I left my phone alone with him. He sent my money to himself off my phone. The money paid to me by his dads live in girlfriend. He knew I got paid that day and had been fighting with his dad about his dad kit given him money he felt entitled to. When i discovered this unauthorized transactions. I confronted them through text message. Saying send my money back. There response was admitting it saying wasnt planned just opportunity. He apologized I was affected by it. But basically to bad want sending it back. I contacted Venmo about it realizing. It was most likely this person who had done the toner transactions. Everything started smoky sense. The last were done in XXXX. They spend alot of time there before that. The hotel refunded me because it was man using my card they rented the room to. Venmo knows all of this I provided the text message/and proof that the accts money was sent to I was never friends with before that day or ever sent money to. Also showed this person had been making new acct when Venmo would close XXXX for not following their rules. They denied my dispute shockingly again for the reason it is similar to my other transactions. Which to me is crazy Ive never not once sent money to this new account that it was sent to. The fact they can use that as a reason is absurd. I just want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

Portfolio Recovery is calling me about a debt I was completely unaware of having. The bills and debt collections were being sent to my parents address and not my address. My mother handed me a stack of mail that had all of the bills from the originator and the letter for the debt collector which I am wanting to dispute. I am happy to pay the debt but would like to have this removed from my credit report due to the bills going to the wrong address.
Product: Mortgage

I have been making regular payments to Merrill Lynch since the inception of my loan back in XXXX. In the XXXX - XXXX time period Merrill Lynch voluntarily paid my ad valorem taxes. The first time this took place I simply paid in a lump sum of over {$21000.00} to pay them back. The second time they began to charge me escrow payments of approximately $ XXXX/month which was fine with me. However they misapplied the phone several times. There were times when they told me a payment was not due and they would return funds to me. This confusion cause them to miss appropriate payments in such a way that they turned me and to the credit bureau for making late payments, however I followed their instructions the entire time. For example in XXXX of XXXX I made XXXX payments in one month at their request. In XXXX I also made XXXX payments at their request so I should 've been " ahead ''. Additionally in XXXX I made them a payment of {$21000.00} to pay for the taxes they had paid. Also during XXXX they applied a payment into a suspense account rather than as a XXXX payment. I spoke with them in XXXX and made XXXX more payments. They told me I forgot to make a XXXX payment and at first I assumed perhaps they were correct until I went back and checked my records. I had made XXXX payments in XXXX and they applied XXXX to a suspense account - perhaps because the XXXX payment was not technically do yet I am not sure. I sent them detailed information explaining that their error in reporting to the credit bureau has caused my credit score to be reduced to a point that I can not refinance my home. I received a brief letter saying that they had done their research and felt like they were correct. This is causing me a major problem. Nobody will refinance my house with this credit score of XXXX. I have been told by a credit consultants that the Merrill Lynch blemish is causing my score to be reduced by XXXX to XXXX points. what is the most frustrating part, is nobody will explain exactly where they think I have missed a payment. They simply asked me to produce a copy of my credit report and information on why it needed to be corrected.
Product: Debt collection

On XXXX I had emailed XXXX and XXXX ( XXXX XXXX ) regarding an unknown debt on my credit report. I had stated that my email wasn't an acknowledgement nor acceptance of debt and that I hadn't received any verification of this debt. I was only made aware of owing these funds after applying for a new home loan. I had made a settlement offer to payoff the debt in full in exchange for a courtesy removal from the credit bureaus. I had received a response from XXXX on XX/XX/XXXX. The response provided a settlement offer with them informing me that they'd report the debt as paid in full. I had asked to clarify if they'd be requesting the debt be removed from the bureaus via email on XX/XX/XXXX. They provided a response on XXXX stating that under FCRA they can update the debt as paid in full. I had again responded to that email asking to have a conversation and that I was only asking for a courtesy removal. Again on XXXX, XXXX had quoted what they " can '' do under FCRA. Again on XXXX I had tried calling with no response and sent a follow-up email to them. The issue at hand is that this company has never provided me any initial notification of this debt. Furthermore, this company has not once followed the their requirements pertaining to my rights under the Fair Debt Collection Practices Act by disclosing that he or she is attempting to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received three emails from Experian stating that an entry was made in my report for a large loan which affects my FICO score. I made 5 calls to the company using various published numbers. I was only trying to verify that the emails were not fraudulent. 

Experian, prior to connecting you with a live person ( if one exists ), requires that you provide them with your Social Security number and then proceeds to ask a number of personal questions. After each response, you are then greeted by a filter asking more questions and giving the caller pre-determined choices that do not cover the information sought for. If you ask to speak to a representative the computer responds that it does not understand your request. It then disconnects you. 

Experian has effectively isolated itself from the nation. Even the telephone number provided by the XXXX is controlled by this voice mail system. Additionally, when referred to their various sites, you are bombarded with offers to provide services for other products each costing additional monies. Why are we allowing a credit bureau such freedom of action.
Product: Checking or savings account

Year XXXX or XXXX. I had a Wells Fargo savings and checking account. Was issued a ATM card that had overdraft protection with crazy penalty charges. After a while of dealing with these ridiculous overdraft charges. I decided to close my accounts. About a month later I was informed that my Social Security back payment checks were sent to my Wells Fargo account that has been closed for weeks now. I spoke with several employee 's at the Well Fargo branch in XXXX, Ca. A few days and alot of calls, I finally got ahold of the branch manager. I couldn't remember his or her name but I remember there were at least two different branch managers or two different people claiming to be in charge. They explained to me very abruptly that my checks were on hold and in no way that they were going to release them to me unless I allow them to deduct the money I owed on my closed account. 
I was stonewalled, I didn't want to be stuck out on the streets with no place to go. The day that my checks where discovered held by Wells Fargo was the day my landlord got feed up with my excuses on my long awaited social security back payment checks. The hold by Wells Fargo caused me alot of grief that year and caused me to be homeless.So when Wells Fargo offered me {$5000.00}. Instead of $ XXXX.I took it and spent most of it on hotel rooms, stolen property and lost personal items that can never be replaced.
Product: Debt collection

I have a a unverified account from XXXX XXXX XXXX XXXX XXXX. I had previously disputed this account with XXXX XXXX XXXX XXXX. I have never done business with your company or XXXX this account was never verfied and was deleted from my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So this is my 4th time reaching out to you or the credit bureaus. I thought the CFPB was here to help the consumer. I have been dong a lot of research and also discovered A FCRA lawyer will sue you on my behalf. There is a bankruptcy public record on my credit report, and as I mentioned I have done my research. I wrote the bankruptcy court and they said they do not report to credit reporting agencies, so by you having these public records on my account is a violation because the court didn't furnish the information so you are not reporting 100 % accurate information. Also by XXXX and XXXX getting my information they are violating my privacy rights violation US Code 1681 ( A ) ( 4 ). As the lawyer told me all of the violations are grounds for a lawsuit. I am a single XXXX mother and I refuse to be taken advantage of by these big companies. I wrote the bureaus on XX/XX/21, XX/XX/21 and today XX/XX/21. XXXX XXXX on XX/XX/21 and XX/XX/21 I have a certified mail receipt to prove they have it. I demand action
Product: Mortgage

Used XXXX to research refinancing my mortgage. 

# 1 ) Immediately afterward received 30+ phone calls from different companies. Website said they would use email to communicate not phone. # 2 ) I've had two people come to my house saying that XXXX told them I wanted to sell my house. # 3 ) I've received 2 calls and my father-in-law has received a phone call saying that they were told I'm looking to sell my house. 

From what I can tell XXXX has just given my information out to anyone. My understanding was that they were sharing this with banks not any Joe off the street. 

The people who are calling me are extremely aggressive yelling at me for not working with them. Really crazy stuff.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''
Product: Debt collection

As of XXXX XX/XX/year>. I just received an email from someone named XXXX, who allegedly is corresponding to me from Resurgent Capital Services. 
Account info Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 

Current Owner : LVNV Funding LLC Resurgent XXXX Current Balance : {$1700.00} I will attach screenshot within this complaint. 

About 2 years ago I submitted a complaint here with another company name under the umbrella of this company, I submitted info with the letterhead and even tried to be proactive, just incase another entity under this company should try to come after me. 

Today 's email details how this account is going to be accelerated to the prelegal track. 
As of yet, no attorney has not reviewed this account, according to this email. 

The email goes on to say how the account once belonged to XXXX XXXX With an amount owed of XXXX. 

I have issues with this, because nowhere on my record nor recollection have I signed up for this Resurgent Capital Services account. While I understand that creditors buy and sell debts with a means to collect anything. 

This concerns me more that, while I'm actively repairing my credit, this has hindered me from gaining access to other kinds/lines of credit, ie, credit cards and car loans and a premortgage qualification. 

I am willing to come to some form of end to all of this, and I wanted to lodge my complaint here with CFPB, because this all seems like unfair tactics to gain monies from me for an account that I'm being told that allegedly belongs to me. 
As I've screenshot above, the original creditors info is mentioned, yet I don't see where the involvement of Resurgent Capital Services, is given and /or listed. Meaning, if written off, if closed, there's no contract signed, no 1099 tax form sent to me. 

I'd like for CFPB to assist me in this process as I do not want to go to court. 

I am willing to submit, IN WRITING to Resurgent Capital Services, a pay for delete option. With the stipulations that they are to cease any and all collection activities and withdraw any and all contact from ANY entity involving them or their company.
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 XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF EDXXXX 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 card

I get emails that I'm not sure will ever stop. I'm sorry this happened. this happened at XX/XX/year>.
Product: Credit card or prepaid card

I've been a victim of identity theft and have been suffering punitive damages due to XXXX XXXX XXXX in the amount of {$3200.00} on XX/XX/2015 this account is fraudulent. It has been reporting my Experian! I've mailed out an FTC report # XXXX multiple times without a resolution!
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to request an urgent investigation into multiple companies listed on my XXXX credit report, which appear to be engaging in fraudulent practices. Specifically, these companies have reported accounts as charged off as bad debt on my credit report but have failed to issue IRS XXXX XXXX for the canceled debt, as required under federal law for debts exceeding {$600.00}. Additionally, these actions may constitute violations of 15 U.S.C. 1692g, and 18 U.S.C. 1028A. 

The companies in question, as listed on my XXXX credit report, include but are not limited to : Excel Finance XXXX Loan MoneyLion Key Issues : Failure to Issue IRS Form XXXX : These companies have written off debts as charged off or as profit and loss write-offs in their books but have not issued XXXX forms to me, nor reported these cancellations to the IRS. This failure to meet federal reporting obligations creates a misleading representation of their financial activities and raises concerns of potential tax fraud. 

Violations of 15 U.S.C. 1692g : Under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to proper validation of debts. These companies have failed to provide the required validation and verification of the debts they report. Their lack of compliance leaves me with unverifiable and likely inaccurate accounts on my credit report.

Potential Violation of 18 U.S.C. 1028A ( Aggravated Identity Theft ) : Reporting inaccurate or fraudulent information and failing to issue proper documentation, such as 1099-C forms, undermines my ability to verify these debts. This could be construed as an abuse of personal information or even identity theft under federal law. Their actions have inflicted harm on my financial standing and exposed me to potential legal and tax consequences.

I have also filed IRS Form 3949-A to report these companies for suspected tax fraud and abuse related to their failure to issue 1099-C forms for canceled debts. However, I believe the CFPBs intervention is necessary to address their broader practices of noncompliance and potential fraud.

Requested Actions : Investigate these companies failure to comply with the requirements of 15 U.S.C. 1692g and other federal laws, including their obligations under the Fair Credit Reporting Act ( FCRA ).

Investigate the potential tax fraud stemming from their failure to issue IRS Form 1099-C for debts they have canceled.

Hold these companies accountable for the harm caused to consumers and take appropriate enforcement actions. 
I have attached a copy of my XXXX credit report and additional documentation for your review. I am available to provide further details or evidence as needed. 

Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to protect consumers and ensure these companies comply with federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Bank of America # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to JPMCB - CARD SERVICE and notify them of their error posting of information on my report. I never missed any payment on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Debt collection

I was checking my credit profile and realize there is a debt on my credit that does not apply to me and I need to get it off of my credit report. I already put a lock on my credit file. 

Elan XXXX XXXX Acc number : XXXX XXXX $