23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX is reporting false information on my credit report for debt I do not owe. XXXX XXXX XXXX is reporting on behalf of Spotloan. I received a loan forgiveness and cash settlement from Spotloan due to class action lawsuit that was approved and finalized by a judge in XX/XX/XXXX. I received my cash settlement from Spotloan in XX/XX/XXXX. Spotloan was sued because they processed loans that were made at annual interest rates greater than what was approved by state law and the company did not have a license to lend in the state when one was required. As part of the class action lawsuit that was approved by the courts, Spotloan is to remove all negative information from my credit report and reflect the loan paid in full as I have received a cash settlement and therefore could not possibly owe the same amount this company is reporting. I have trie in good faith to reach out to this company and the number listed on my credit report is disconnected. I have sent proof of paperwork from judge showing details from class action lawsuit and credit bureau continues to report information accurate when they are not taking the time to investigate my claims. My intention is to file a claim every month until this is removed from my credit report as I will never pay something I do now owe. I have proof of court documents showing I was included in class action lawsuit along with copy of cash settlement payment received from Spotloan. Why does XXXX XXXX XXXX continue to report negative and inaccurate information? This is sp frustrating to the average consumer who has to continue to fight to remove incorrect information off of their credit report, however I will do so until this information is removed. It is expected to remove from credit report until XX/XX/XXXX, however I will continue to submit my claim until it is finally removed as this debt does not belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on credit account under an open end consumer credit plan as late for any purpose Creditor : XXXX XXXX : Late Payments XXXX, XXXX, XXXX year XXXX and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX Late Payment XXXX, XXXX, and XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX Late payment XXXX XXXX XXXXXXXX XXXX Late Payment XXXX XXXX XXXX
Product: Debt collection

I was billed or an additional class after I withdrew from XXXX XXXX. 
They have placed a new debt in collection that i do not owe. I did not attend class and should not have been enrolled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, please do not flag this as such. 

I am XXXX XXXX, and I alone, am submitting this complaint. 

I am not willing to be the middleman in this issue, as it is ultimately between you ( XXXX ( XXXX  ) ) as a Data Furnisher and the CRAs ( Equifax - today ). 

The request is to fix your data and in compliance with Metro2 data standards, so the record in your system - produces itself in a file then sent to a consumer profile/report correctly or delete it. 

Please let this complaint, reiterate the Do not Contact request previously supplied to you, except and as allowed through this portal, and then the laws that govern them. 

This complaint, nor the previous one - was never a request to validate any alleged debt. Instead, it is and was based on this Data Furnisher ( XXXX ) reporting inaccurate, incomplete and then misleading data intentionally - to CRA 's, and have failed to respond to the noted issues. 

The responsibility of a Data Furnisher, I am relying on is based on FCRA FDCPA and XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX & XXXX & XXXX & XXXX FICO Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have attached the description from XXXX  as XXXX  FICO Ingredients, the source. FICO Scoring calculations, are not different for each CRA. 
Payment History Amount of Debt Length of Credit History Amount of New Credit Credit mix Understanding this by then sending data to a CRA, maliciously / intentionally / or ignorantly data, that should be known with forethought, validation and oversight / QA, as the result becomes almost unreasonable to me, and then industry, governance, legal and compliance expectations. It is not until missed payments, collections and the like occur does the data go so far south that one must question its intent. 

IT testing, when files are sent or built, are part of a typical SDLC where expected results are defined. XXXX is in acceptance of the demonstrative issues in this complaint, or any previous. 

I have attached a Document - with screen shots of the accounts and from Equifax. 

The DOFD/FACRA date, Pay History, Balance History ( or lack there of ), Available Credit ( on supposed Closed tradeline ), Debt To Credit Ration ( on a supposed Closed account - etc - are the complaints, and from a FDCPA - FCRA state with the Creditor/Data Furnisher and the the CRA 's. 


Please Fix the tradeline so that the data collected from your systems, is produced in a file that is Metro2 compliant, sent to a CRA, and then as a Debt collector - or delete it. 

The Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. SDLC in theory verifies the true expected results XXXX is saying is acceptable.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed 3 companies that I have never heard of, or established any business with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included they fraudulent accounts in my Identity Theft Report.
Product: Credit reporting or other personal consumer reports

Company has been reporting the account as charge-off since XX/XX/year> ; however, I have yet to receive a 1099-C from this company. According to the Internal Revenue Code 108, if a creditor cancels a debt, they must report it using a 1099-C form.
Product: Debt or credit management

Fraudulent call. From phone number XXXX. This is a scam. I would like you to protect people from this or get this information to an agency who can do something about it. I would also like the ability to take legal action and sue these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX someone opened a XXXX  account in my name and my wife name without my knowledge. In XXXX my wallet and wife wallet was stolen which contained personal information such as driver lincense and social security numbers. In XXXX I noticed a new account on my Experian credit report for XXXX mortage to XXXX XXXX XXXX which I disputed with Experian in XX/XX/XXXX but because there were a few payments made on the account it was verified as current. In XXXX XXXX I filed a police report due to I.D . theft and fraud with the XXXX police department and also with the Federal Trade Commission. In XXXX there was a fraud alert on my Experian credit report that directed creditors to call my phone number to verify my identity before issuing credit and this was not done in establishing this XXXX XXXX account in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries from he following companies - i did not authorize these requests for credit. I'm attaching the identity theft report - i did not authorize these companies to pull my credit and a lot of the companies are listed as duplicates the companies are as followed: XXXX XXXX,  (2) XXXX,  (4) XXXX XXXX, XXXX XXXX XXXX XXXX (5) XXXX XXXX XXXX, (4) XXXX , (2) XXXX XXXX XXXX XXXX,  XXXX XXXX  XXXX , XXXX XXXX XXXX,  (3) XXXX  XXXX XXXX, (3) XXXX XXXX  XXXX XXXX XXXX,  (3) XXXX  XXXX XXXX, XXXX XXXX XXXX,  XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX,  XXXX XXXX , XXXX XXXX (2) i would like them removed from my credit file
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Wells Fargo Bank regarding their mishandling of a wire transfer issue on my savings account and the unsatisfactory resolution process. Below are the details of the events : - Wire Transfer Initiation : On XX/XX/year>, I initiated a wire transfer from my savings account. Later that same day, I received a message from Wells Fargo stating that the transfer was under investigation. 

- Cancellation Notice : On XX/XX/year>, I received an email and a text message from Wells Fargo stating that the wire transfer was cancelled. 

- Customer Service Interaction : On XX/XX/year>, I called Wells Fargo to follow up on the situation. During this call, I was transferred multiple times between different departments, including online banking, wire transfer, and fraud departments. Despite spending significant time on the call, no resolution was provided. 

Moreover, I was given conflicting and incorrect information. A Wells Fargo representative incorrectly claimed that my wire transfer was cancelled on the same day it was initiated ( XX/XX/year> ). However, I have documented proof from Wells Fargo showing that the wire transfer was still under review on that date. 

The repeated transfers between departments, the lack of resolution, and the provision of conflicting information have caused me significant frustration and concern regarding the handling of my account and funds.
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. 

Account name : # XXXX, XXXX XXXX, Account name : # XXXX, XXXX XXXX XXXX XXXX, Account name : # XXXX XXXXXXXX XXXX XXXX Accounts name : # XXXX XXXX XXXX XXXX, Accounts name : # XXXX OFFICE OF THE ATTY GENER, have 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

As provided by the Fair Credit Reporting Act, I am disputing the following inaccurate personal information that does not correspond with my legal documentation ( see attached ). These inaccurate versions of my name and address are creating confusion with my creditors and lenders to whom I have submitted applications because the information contained in your records does not match my personal credit identity. This is a formal request to remove the following inaccurate information from my report. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. According to the fair credit reporting act 12USC 1681. I have the right to privacy. These are clear violations of my federally protected consumer rights. 
Remove all these versions on name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XXXX I submitted a letter to XXXX XXXX XXXX XXXX. Trans Union Consumer Solutions LLC XXXX XXXX with regards to inaccurate/duplicate information reporting on my credit report. I have yet to receive investigation results, as it is now past the 30 days. I requested all information reported to ensure its accuracy.
Product: Credit card

I has filed to dispute many times, but they ( Bank of America ) did not care ti investigate fraud and weird. 
I bought item XXXX in XXXX XXXX by XXXX CARD, it charged and weird happened on receipt was MASTER CARD. It amounted {$56.00} by chip. 
I had returned in XXXX XXXX. My credit return, it wasn't post in statement in XXXX XXXX. It returned on receipt, it was XXXX XXXX by scanning on receipt. 
I didn't come to use my credit card at XXXX in XXXX XXXX and it charged and weird happened, it was {$56.00}. It posted in XXXX XXXX. 
Why did happen VISA CARD charge and CHIP and post it become MASTER CARD charge receipt! 
It was fraud and weird happened from Bank of America credit card.
Product: Vehicle loan or lease

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX credit bureaus are reporting inaccurate home repair debt information from XXXX XXXX XXXX and Fair Collections & Outsourcing who are not able to show evidence or proof of this reported debt. Their letters to me claim to have " verified '' the debt but this is not true under the law. I sent certified letters to all XXXX reporting agencies that showed the creditor has no record of ever communicating a debt to me. 
In response to my request for validation of a debt, XXXX XXXX XXXX and Fair Collections & Outsourcing mailed me an illicit and unsigned move-out sheet with fraudulent home repair charges they are using as their supposed evidence that I owe any debt. 

The company failed to provide the following information : Certified communication notifying me of the debt Signed agreement between myself and XXXX XXXX XXXX or Fair Collections & Outsourcing validating this debt Payments I made toward any original debt and my agreement to pay someone this sum of money Communication to me indicating damages made by myself to the home Statements of accounts or receipts that show contractor payments toward home repair as a result of my negligenceI submitted documentation to the reporting agencies and the creditor that shows XXXX XXXX XXXX is responsible for the repairs listed on the move-out sheet that they are in fact dishonestly charging me. This documentation included:1. An inspection ticket by a XXXX XXXX, TX city inspector showing inadequate home repairs. 
2. A certified letter from me to XXXX XXXX XXXX ( dated XXXX XXXX, 2014 ) listing all existing repairs the home needed upon my taking residence. The items listed are various items that XXXX XXXX XXXX shows on the invalid move-out sheet used to charge me this debt. 
3. A certified receipt ( dated XXXX XXXX, 2014 ) showing XXXX XXXX XXXX ' receipt of my certified letter. 

This creditor has several complaints filed against them with the XXXX with other tenants who are victims to their dishonest actions. XXXX XXXX XXXX did not adequately maintain the home in question and has now made unmerited accusations and reported false information to the credit bureau. The repairs listed on the move-out sheet mailed to me are the same repairs I notified XXXX XXXX XXXX via certified letter that needed repairing. I have a copy of this letter ( that shows the detailed list of repairs ) and a copy of the returned certified receipt that shows they signed and acknowledged my request for them to make repairs on the home. I also have copies of the move-out sheet the debtor sent to the credit bureau as proof of a debt, This move-out sheet is not signed or validated and lists the items that I informed XXXX XXXX of via certified letter notifying them that they were responsible for them. 
After I vacated the home, the repairs had not been completed by XXXX XXXX XXXX and now the company is charging me for repairs that existed before I took residence of the home.
Product: Mortgage

My complaint deals with several deceptive business practices by Equity Prime Mortgage ( EPM ) : 1. Wrongful credit reporting ; 2. Misleading online information on their website regarding forbearance which was accessible on XX/XX/XXXX ; 3. EPM representative misleading information by telephone on XX/XX/XXXX and XX/XX/XXXX ; 4. Entrapment into becoming further financially distressed and indigent. 

I was actively in the process of refinancing my mortgage with the underwriter of a different lender who gave me a very small window to lock in a rate comparable to what I already had since EPM denied to refinance my loan initially back in XXXX of XXXX. 

The mission was to pay off all my debts since I was currently being hammered with financial debts incurred from Hurricane Ian 's damages. As such while the other lender underwriter was in the final stages of approving my refinance, EPM mortgage wrongfully reported to the credit agencies that I was 30 day late following a conversation on XX/XX/XXXX and XX/XX/XXXX that they would not. 

EPM error cost me the only opportunity to refinance under the rate that was comfortable for me. So now I'm at their mercy with an application for a six ( 6 ) month forbearance to allow me time to pay for the natural disaster damages from Ian and regain my financial stability. 

My situation is comparable to a {$63.00} XXXX dollar FTC-CFPB suite which was recently settled the issues were : FTC and CFPB allege that XXXX XXXX XXXX XXXX According to the lawsuit, when homeowners were even just one day late with their payments, XXXX XXXX XXXX often unleashed a barrage of phone calls. 

When borrowers sought options like loan modifications or short sales, XXXX XXXX allegedly mishandled many of those requests, leaving consumers in even worse straits. For example, some homeowners were in the process of finalizing loan modifications with other servicers when their mortgages were suddenly transferred to XXXX XXXX. Rather than honoring those arrangements, XXXX XXXX often yanked that lifeline from people struggling to stay afloat. Others were told theyd have to pony up payment before they could even be considered for certain loan modification programs an illogical ( and often illegal ) requirement for folks who had already sent out a financial SOS.
Product: Credit reporting or other personal consumer reports

I am not able to access my credit report/score from the TransUnion App/Website. The site keeps telling me I'm blocked and that I should contact/email a someone that does not align with the credit company. This makes no sense. 
I received a letter from XXXX on behalf of XXXXXXXX XXXX XXXXXXXX??? saying my personal information had been compromised. This led me to the TransUnion site which is not accessible. They also are pushing the " Credit Lock '' like XXXX for {$29.00}. You must really work to find the disclosure that a Credit Freeze will do the same thing. It is wrong that my finances should rely on such a reporting agency that access to me is denied!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my police report.

A copy of my consumer financial protection bureau report.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

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

I was completely dismayed when I saw all these tradelines on my credit report.. I disputed the accounts asking XXXX what is going on why the accounts are verified when in fact, they are not accurate.. That tells me that they did not take appropriate measures to investigate each one of them.. CFPB please handle this issue and remove the accounts asap XXXX XXXX ( multiple entries ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX   XXXX ( duplicate reporting ), and XXXX XXXX ( duplicate reporting )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Amount {$1000.00} I called told them the card was stolen and I want to close the account and the say ok and lied and then they send my info to collections
Product: Debt collection

I have been contacted by XXXX repeatedly, every week for four years. I had a vehicle that I leased through XXXX for four years. I completed the lease in full and returned it successfully with no monies needing to be paid as the car was in good condition. 

XXXX has called me every week, several times a week, EVERY week since about six months after the lease was concluded. 

About two years ago, told that that I did not owe the monies and that if they wanted to communicate with me, to do it through the mail. They sent one letter, then resumed their calls. At this point, they have called me a estimated minimum of 400 times, literally 400 times over a four year period. Ive told them that I dont owe the debt but they keep calling. 

Please let me know what I can do to stop this. I can not believe a former creditor is allowed to harass me to this extent, particularly when I have completely fulfilled the lease obligation. I have reached the poinXXXX where seeing their number come up is making me sick. 

I can obtain phone records to substantiate the frequency of their calls if needed. 

Thank you for any help you can offer. 

Sincerely, XXXX XXXX