23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I originally disputed this debt with LockHart Morris and Montgomery also known as XXXXMinc back in 2018. They ended up deleting this debt with XXXX and XXXX and would not remove the debt with XXXX. I noticed the debt when I ran my credit with XXXX and noticed they never deleted this debt and they by law had to remove the debt with all three credit agencies. 
Instead they transferred the debt to their other company name, XXXXMinc and put the debt back on my reports. I wrote them and sent evidence of them previously removing this debt and that they needed to delete it with ALL agencies.

T

hey have reported three different amounts and instead sent me an old contract not showing evidence that I signed a contract with them or owed them anything. It is also fraudulent to add back a debt that was previously removed without providing new evidence. I disputed this debt with the credit agencies who are backing this company up claiming the debt is valid when it is not. My final attempt before I pursue this company and the credit agencies aiding them in this fraudulent reporting is to reach out to the CFPB for help to see if they will do the right thing and redelete this debt with ALL credit agencies that they are reporting me with. If they do not delete this debt PERMANENTLY, I will sue them all for fraud, defamation of character, damaging my credit worthiness, the distress they have caused me all these years, the credit denials and high interest rates I have endured due to them damaging my credit with a debt I do not owe them. This is my final attempt, and if I can not resolve this matter with the CFPB, then I am already prepared to go file a petition against them to show up in court in my state to provide the evidence to collect on this debt.
Product: Credit reporting or other personal consumer reports

I've called First National Bank of Omaha numerous times on behalf of myself and my husband. We have a credit card with this bank that had a high balance which was paid completely off on XX/XX/year>. They've agreed to update my husband 's credit report to reflect the XXXX balance, but they've not updated my credit report to reflect this account has been paid in full. I've spoken to them as recently as XX/XX/year> and was assured by an employee named XXXX that she would handle the situation for me. 

I've checked my husband 's credit file this morning and his is stating correct info. My credit report is still showing a high balance owed to this company.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am disputing the following accounts that have been incorrectly reported under my credit file. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am requesting full verification of these accounts. If you can not provide verifiable proof that these accounts belong to me, they must be permanently deleted.

The accounts in question are : XXXX XXXX XXXX XXXX XXXX FCRA Section 609 Request : Under 15 U.S. Code 1681g, I demand full documentation, including all records, applications, and contracts proving my legal responsibility for these accounts. If such proof does not exist, these accounts must be removed immediately. 

FCRA Section 611 Request : As per 15 U.S. Code 1681i, you are required to conduct a reinvestigation within 30 days and remove any unverified or incorrect information.

If this dispute is not resolved, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and explore further legal action.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of XXXX XXXX. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from XXXX XXXX. The following items need to be removed and blocked as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Notified on XXXX by credit monitoring that a new collection was on my XXXX report from Financial Account Service Team for {$250.00}. I have never received any notification from this company or the original creditor about this debt in writing, phone call, or any other correspondence. I have not received any verification of this debt. I have lived at my current address since XX/XX/2021. Change of address was completed by USPS. I have received any and all mail, bills, etc... forwarded from previous address, including legal documents from a probate case in Virginia. All forwarded mail had yellow forwarding address label attached stating that sender was notified of new address, but nothing ever received from either company in this collection matter. I demand that this company delete this file from my credit reports because they have not lawfully supplied me with any chance to dispute this claim before reporting to credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX I am submitting a formal dispute regarding late payment entries reported within the past XXXX years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. Requested Resolution : I am requesting the followi
ng actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

A written confirmation verifying that these late payments have been removed.

A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proce
edings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not A DUPE .... this is a re-investigation on erroneous reporting.I have disputed this multiple times with Experian and the Creditor, the Creditor, XXXX, advise I should contact Experian and XXXX to fix this because they do not report to XXXX. 

In XXXX " Reaffirmation of Debt '' started appearing associated to my XXXX card. For some reason, there is something in the " back-end '' attached to the account that flags the record as a " Recent Collection '' and/or " Recent Bankruptcy ''. I have opened multiple requests to fix this since this is incorrect. Furthermore, my XXXX XXXX  was filed in XXXX and XXXX XXXX. According to the FCRA " Negative '' information can not stay on the credit file past 7 years, if my filing was in XXXX, XXXX would have been exactly 7 years. The bureaus and XXXX XXXX ( reported to the XXXX ) have been defaming my credit worthiness with other lenders causing reduction of credit limits, account closures which has raised my utilization and dropped my score from XXXX points before this happened. I can not get personal loans for emergencies and it appears I may have issues renewing my leased vehicle with all these errors which are willful and negligent violations of my rights under the FCRA since I have disputed these multiple times and NOTHING HAS BEEN CORRECTED. In fact, XXXX went ahead and re-aged the " Date Reported '' on my XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX which caused another set of account closures and negatively affected my credit. I have written multiple times about this and they continue to say everything is OK and not fix. In the meantime, years of working on my credit has been ruined by XXXX, Experian and XXXX for which i have another opened complaint. I need all this negative removed and permanently blocked from appearing. XXXX should not have re-aged the " Reported Date '' on the XXXX XXXX Multiple instances and months of complaints to the Credit Bureaus & each month the the score goes down and the credit line is decreased, and my credit score and creditworthiness has been negatively affected. Experian and XXXX continue to say the information is correct, but it is NOT. They are flagging the XXXX  XXXX as new somehow everytime they send the account update and worst yet, they are sharing this with all my lenders ruining all the reltationship it has taken years to establish and ruining my credit.
Product: Credit reporting

Recently attempted to purchase a car and got news of the state of my credit report. There has been a credit card and several banking/financial setbacks on my credit. The only items attributed to me are : student loans, XXXX phone cancellation charge, and late payment to XXXX.
Product: Student loan

I co-signed on my daughter 's college loan several years ago. Navient, who purchased the loan, has robo-called me at least XXXX to four times daily about repayment with requests to call XXXX at XXXX to work out payment plans. My daughter has a statement that repayment does not begin until 2017. How can I stop these calls?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm member of XXXX who report my rent being paid each and ever month to all credit bureaus. XXXX, XXXX and TransUnion to earn my credit scores from all three of rent being paid. My credit scores hasn't been increasing of my rent being paid each every month. My credit scores should at least be XXXX for me to qualify for home loan. I feel i am being held back from qualify for home loans. Maybe because of my XXXX, XXXX, age, XXXX, martial status. To qualify for home loans.
Product: Credit reporting or other personal consumer reports

I am disputing the late remarks on this account because the account was opened and used fraudulently without my knowledge or consent. I believe this account was a result of identity theft, and I did not authorize any transactions or account activity. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Correction to my report, I demand these late payments be removed from my credit report
Product: Checking or savings account

I am writing to make a complaint against ally bank. In doing my taxes last week, I found out by looking at my XXXX forms thatAlly had closed all my CD accounts, including those for which the due date had not arrived, without my permission, and had penalized me. I early XX/XX/XXXX I had called in order to close XXXX accounts ; the XXXX  which had matured on XX/XX/XXXX, and also the high yield savings account. WHile I do not remember the conversation, I know I did not ask to have all my accounts closed. I know this because it would have been a costly mistake. I had on account due to mature on XX/XX/XXXX, so there is no way that I could have thought it was in my interest to close it early and incur a penalty. In addition, I was not short of money ; as a XXXX adult I have never had less than {$4000.00} in the checking or savings. In addition, the interest rates on all my accounts was over 2 %, so it is unlikely and uncharacteristic that I would have incurred a penalty to close any of them early. THe bank says they have recordings of all my conversations. I spoke to a bank representative, I believe on XX/XX/XXXX who said she would listen to them and call me back, but no one has done so. Please listen to the recording ( XXXX ), and determine for yourself whether I asked for all my accounty to be closed. If not have the bank refund me {$1100.00}, {$300.00}, and {$210.00}. Please ascertain whether the bank representative was asking me irrelevant or inappropriate questions that might have contributed to their misunderstanding and take such questioning into account.
Product: Credit card or prepaid card

I have tried for many months resolving a dispute with my Discover credit card for a charge for baggage from XXXX XXXX on XX/XX/XXXX in which I was not refunded for fees associated with baggage when I did not end up checking bags in and also for misleading me about charges and hiking up prices at the last minute due to glitches in their online XXXX website. Discover reps have been playing unprofessional and hard headed at not solving my claim. I was asked the usual stupid question by reps in claims department " if I had a letter from XXXX that stated the airline would refund my money ''. That is ridiculous of course not. The airline will try at all costs not to refund my money but Discover is not helping me at all and manipulating the dispute by not providing me any documents to support their decision and denying my claim just because they feel like it. Since XX/XX/XXXX I called and tried to get an update but nobody would talk to me and the dispute remains closed I was told. I wrote a letter advising them that if my dispute was not resolved professionally I would file numerous complaints to try to get a favorable answer. I have submitted lots of paperwork to support my claim. Please see attached letters.
Product: Credit reporting or other personal consumer reports

I have yet to receive documented confirmation or methods/procedures used to initiate these inquiries from XXXX - XX/XX/year> ; XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year>
Product: Debt collection

The basis for my dispute Credence Resource Management LLC, XXXX XXXX XXXX, CREDENCE RESOURCE MANAGE AccXXXX, {$560.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

CREDENCE RESOURCE MANAGE Accfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, CREDENCE RESOURCE MANAGE Acc '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of AR allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Credence Resource Management LLC, XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve CREDENCE RESOURCE MANAGE Accis held liable as well for defamation and in the state of AR a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693 ( Tex.App-San Antonio 1989 reh.den . ) citing Monroe v. Frank 936 S.W.2d 654 ( Tex.App-Dallas 1996 writ dism 'd w.o.j. )
Product: Debt collection

I was called by my step daughters boyfriend. He said Proffesional Debt Mediation called him asking about me and wanted information. This person was called on his private cell phone and is not related to me. they called XXXX/XXXX/2016 @ XXXX. This is not a Company I am doing business with. They Contacted me in reference to a debt from XXXX XXXX that I am disputing. I never signed a contract with XXXX and I told the salesperson I was unable to pay the co-pay because I was laid off and my husband is a XXXX. They installed the roof and the original bill ballooned from {$1700.00} to {$3800.00}. XXXX representatives were verbally abusive and actually frightened me to the point I would n't leave my home. To have a collection company calling acquaintances is also frightening and an invasion of privacy. I never signed a contract with XXXX. The salesman had my husband sign my name. My husband is not the owner of my home it was purchased prior to our marriage and with his physical condition. He believed he was signing an estimate not a contract. The signature was acquired outside on top of a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted about a collection account being added to my credit reports ( XXXX, XXXX XXXX XXXX ) After reviewing the information it stated it was From Sequium Asset Solutions- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX for a XXXX account from XX/XX/XXXX in the amount of {$310.00}. I have never had a XXXX account. After speaking with XXXX today I have learned that a address of XXXX XXXX XXXX, XXXX XXXX, Tx XXXX was added as a address for me through the credit bureau. I have never lived in Texas or have even been in Texas. At this time I am disputing the above account and address being added. 

XXXX I was told by XXXX to include this information also when submitting the above information. In XXXX of XXXX a application for a credit card for XXXX  XXXX XXXX was submitted, which I never applied for and the inquiry for this account was removed. ( # XXXX Research request number ) I just noticed now after reviewing my account that there was to additional Inquiries on XX/XX/XXXX and XX/XX/XXXX which I am disputing also through XXXX. 

Thank you for your time in the above matters.
Product: Credit reporting or other personal consumer reports

Issue : XXXX XXXX XXXX is incorrectly reporting a collection account ( C ) on my credit report every month from XX/XX/year> to XX/XX/year>, without a change in the status of the debt. 
Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a collection account once, when the account is initially deemed uncollectible. 
XXXX XXXX XXXX XXXX : A creditor can not report a collection account every month, only when there is a change in the status of the debt. 
Violations : XXXX XXXX XXXX reported a collection account ( C ) every month from XX/XX/year> to XX/XX/year> without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report. 
Damages : Harm to my XXXX XXXX Emotional distress Loss of credit opportunities Supporting Documentation : A copy of my credit report showing the inaccurate reporting Additional Information : XXXX XXXX XXXX ' reporting of a collection account every month from XX/XX/year> to XX/XX/year> without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX XXXX accountable for their actions. 
Relief Sought : Correction of the errors on my credit report Damages for the harm caused by XXXX XXXX XXXX ' inaccurate reporting XXXX for XXXX XXXX XXXX ' violations of the FCRA and XXXX XXXX guidelines