23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX never verified the debt they had on my name and was it actually me. They never produced the requested info in a timely manner and the debt is considered to be void as they were in dishonor. 
XXXX XXXX shared private consumer info with a 3rd party debt collector without prior written or verbal consent per USC 15 sec 6802. That information includes false and misleading statements USC 15 sec 1692e.

They supplied Name, Address, account numbers and financial information all are {$1000.00} fines. 
Radius Global Solutions LLc has used all that information without confirming it and without my consent. They have no contract with XXXX XXXX giving them my consent and they have no consent from the consumer.
Product: Debt collection

I am not liable with this debt with National XXXX, I do not have a contract with Transworld System. They did not provide me with the original contract as requested, in addition to the fact that they have provided an incorrect balance of {$4100.00}. The amount originally owed to National XXXX does not match the amount that is on my credit report.
Product: Debt collection

XXXX XXXX have called numerous times in the past few weeks. I have several calls listed on my cell phone and home phone that is related to their company. I can provide date and times if necessary ; I have explained to them that they have the wrong person ; there is more than one person with my name and they keep calling, they wanted by social security number but I refused, I asked them to read off the last four of the SS they have listed and it did not match mine : I instructed them that I am not the person they are looking for and to stop calling. I received two more calls just today ( XX/XX/2018 ) from their listed number and then a hang up.
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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to 15 USC 1681 ( eXb ).

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. 16815-2 ( AN1 ) 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

I have disputed the three major credit bureaus for a few items that each of the 3 are not being truthful about a different problem that has either been deleted or they have not redisputed the information reciting that they have disputed it before and that the information to dispute is frivolous and will not be investigated. File Number XXXX. The items specifically on XXXX  are 1. XXXX XXXX. account # XXXX 2. XXXX XXXX account number XXXX. XXXX XXXX XXXX the other one was deleted I was a victim of identity theft. These accounts were opened fraudulently, they were deleted and now reappearing back on my report. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are bankruptcies on XXXX  and XXXX  file in 2019 that they claim they got from XXXX XXXX, I have a copy of my XXXX   XXXX  report, Consumer Number XXXX which shows no bankruptcies, as well as a XXXX XXXX, report Consumer ID XXXX which has cleared any bankruptcies because of proven identity theft. 

3. XXXX XXXX ( XXXX ) account number XXXX was deleted from my credit report. It was a stolen credit card and was deleted now reappearing. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

4. XXXX XXXX XXXX. '' In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

5. XXXX  XXXX balance is {$620.00} This account is mine but I have never been late. They have been charging me XXXX dollars per month stating Im late. My credit limit is {$40.00} dollars, and my payment is {$14.00} in which I pay {$20.00} per month on via my checking account. It should be paid in full by now, but instead the balance keeps going up. 
6. The XXXX. Account # XXXX I have never been late on this account. This is my son 's car and is being paid through XXXX they have never missed a payment. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 
7. XXXX XXXX XXXX was deleted from one bureau and is saying correct on the others how can that be. The same 5 day reinsetion applies. 
8. XXXX XXXX : Never had this account, was deleted and reinserted. 
9. XXXX XXXX. Never opened an account with this company or the company that sold it to them. It was deleted and reinserted with XXXX  only. Please make these companies redelete these items and keep them off
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The TransUnion, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX MO ) XXXX Balance : {$430.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX F XXXX XXXX XXXX  MO XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis as of XX/XX/XXXX states that they verified Judgment & liens and the amounts are accurate. the documents I have from the State Lien are not correct nor is the amounts correct as showed on file. Lexis Nexis also does not report accurate information and I disputed the amounts 2 years ago and those was put into dispute and as of XXXX County has incorrect information showing and I hired an attorney to pursue the issue to the matter. 
The information that is on record is wrong. Lexis Nexis has and can not provide my information by law with my full social security number my full date of birth and full address as well as my full names attach with all this on public file. There was a law passed in XX/XX/XXXX that clearly states if all the full information is not on file for Liens, Lexis Nexis needs to Delete/Remove all information pertaining to Liens & judgements on file. Lexis Nexis also needs to provide full information on file with full social security date of birth etc in full not partial information to be valid or legal
Product: Credit reporting or other personal consumer reports

Credit bureau is reporting a XXXXXXXX XXXX  for an increase in debt on card. The card debt was {$0.00} and increased to {$200.00}, which is about a 5 % use of the limit. There is no reason for the point. Unless you get a XXXX XXXX  just for using a card under 10 % of the limit?
Product: Checking or savings account

On XX/XX/2022, I received several app notifications from Chime about money being moved from my savings to my checking account and being spend on gift cards. I was at work when the notifications were being sent to me. My account was being hacked and they had access to my personal information. The amounts were {$300.00}, {$300.00}, {$100.00}, {$100.00}, {$300.00}, {$300.00} and they were all spent on XXXX gift cards. I then began receiving emails from XXXX about the purchases. That's when I realized not only have the hackers taken my money but they also now have my information. In total {$1400.00} was stolen from my account. I immediately contacted Chime to notify them about this and to tell them to freeze my account because the purchases were not made by me. Chime told me that I had to let the transition go through and they would dispute it after they went through. I also reached out to XXXX to notify them about an account being made in my name not by me as well as the purchases not being made by me. They informed me there was nothing they could do because the money on the gift cards had been spent already and to notify Chime. On XX/XX/XXXX I was notified that Chime would allow me to dispute the charges. Today, XX/XX/XXXX, Chime emailed me and notified me that there was noting they could do and alleged there was no error and that they were closing the case.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX And COMMONWEALTH FINANCIAL   negatively reaged my credit. Saying it was opened on XX/XX/XXXX (XX/XX/XXXX) and openedXX/XX/XXXX ( commonwealth financial ) when this debt is from XX/XX/XXXX-XX/XX/XXXX and should be off my credit by this year as originally stated before reaging it on my credit report. I want it removed.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've reached out to TransUnion on XX/XX/XXXX about the above fraudulent inquiries submitted in my name, and they refused to delete the inquiries for which I did not apply. Please remove these inquiries I did not authorize. Thank you!
Product: Vehicle loan or lease

We bought a motorhome from a private party on XX/XX/XXXX. The purchase was financed with a loan from Bank of the West. We have paid out installment regularly and timely as it comes due every month, since XX/XX/XXXX we have been in contact over the phone with Bank of the West customer service/ title department asking them to send us the title for the RV instating we, along with the Bank XXXX lien XXXX are the owners so we can renew the registration of the vehicle with the XXXX. We were told in XX/XX/XXXX by the bank that the proper department ( title department ) was working on the transferring of the ownership with the XXXX and that they would renew the registration, but we had to wait. In XX/XX/XXXX the registration for the vehicle expired and we were told by the XXXX the bank had not processed the transfer. 
We have been contacting them weekly by phone as we were not offered any other means to communicate with them, to no avail. In XX/XX/XXXX we were told they couldn't process the paperwork we need to send the smog check certificate. We promptly sent it in. They alleged not to have received it even though we sent it by fax and have the receipt. We resend it. One week later we were told we need it to send a check in the amount of {$1100.00} for the registration, the check we sent was cashed on XX/XX/XXXX, still up to today they have not processed the title. 
The license has been expired since XX/XX/XXXX, the RV sits in our garage, and to this date the only document proving the RV is ours is the Bill of Sale. 
No word from the bank in the last 10 days even though a Bank supervisor is trying to help us solve the problem. 
We are at wits ' end, not knowing what to do.
Product: Debt collection

I am consumer XXXX XXXX, and I do not owe the debt that CAPITAL ONE states. CAPITAL ONE continues to violate my federally protected consumer rights. I've demanded a debt validation and I've demanded a binding contract with both my signature and CAPITAL ONE to prove alleged debt. CAPITAL ONE refuses to send accounting of alleged debt. CAPITAL ONE continues to harass me as the consumer over alleged debt that is not owed. CAPITAL ONE refuses to Cease and Desist communications on all mediums in which was posted in prior complaints.
Product: Checking or savings account

I responded to a XXXX inquiry within the stated timeframe and went into the branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and talked to the Branch Manager XXXX. I brought him the multiple required documents verifying my address and XXXX accepted them and stated that it was handled. XXXX talked to many reps at Wells Fargo who confirmed that my account is clear and no action is needed on my account. 

However, my account was wrongfully closed on or about XX/XX/XXXX. I went to the branch again and talked to XXXX and he confirmed that there is no problem with my docs, but contacted their dept to reverse the cancellation. However, he was told by Wells Fargo Bankers Support that its in the process of cancellation and is irreversible. 

I provided credit card billing statement, my tax returns, CA Secretary of State Statement of Information, and my lease all verified with the same address. In fact, I was told that these were the documents as required on the Wells Fargo XXXX Despite providing them with multiple docs, WF violated their own policy and unjustly proceeded to cancel my business account without notice or verification of my docs. I was told that this has been a systemic problem from Wells Fargo that has unjustly closed accounts for millions of customers across the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My identity was stolen from me. There are some fraud accounts noted on my credit report. My son, who is a XXXX  told me that I needed to file a complaint to make sure that the accounts on my report would be handled correctly. I have attached my Identification along with my federal trade commission report and any other supporting documentation you may need. Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX ACCOUNT # XXXX {$360.00} XXXX XXXX  ACCOUNT # XXXX {$360.00} XXXX XXXX ACCOUNT # XXXX {$1000.00} XXXX XXXX ACCOUNT # XXXX {$940.00} XXXX XXXX XXXX XXXX  ACCOUNT # XXXX {$740.00} XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX {$1100.00} XXXX XXXX XXXX XXXXACCOUNT # {$570.00} XXXX XXXX XXXX ACCOUNT # {$2100.00} UPGRADE XXXX _ ACCOUNT # XXXX {$1400.00} XXXX & XXXX XXXX XXXX  ACCOUNT # XXXX {$1900.00} 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXXXXXX XXXX, XXXXConsumer Financial Protection BureauRe : MIDLAND FUNDING LLCDear : INVESTIGATORThis letter is to complaint about a problem I am having with the collection company MIDLAND FUNDING LLC that I been trying to repair since XX/XX/XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit. I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their collection letters and other relevant documents with Balance Discrepancy 's. Unfortunately, the problem remains unresolved. I am hereby requesting that you : please help me with this company to repair the item and clean my credit reportThank you for your anticipated assistance in resolving my problem. 
Please contact me at my E-mail : XXXXXXXXXXXX if you have any questions. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Had a email from bank of america which I have never had a account with. I called their fraud dept when I got the email they said it was probably sent one trying to scam me and to not open it that they didn't have anything with my name and adress in their system.then today I get a statement from them for a account in Mt name and XXXX transactions been on hold acouplw of time for over a hour and can't get anyone and I tried to go by the branch and theu said you have to make an appointment. 
I don't have a account with bank of america and I don't know these names on the XXXX transfers.cant seem to get this taken care of.
Product: Mortgage

NewRez LLC dba Shellpoint Mortgage Servicing services my home mortgage. They fraudulently have added lender-placed insurance on my account for months, charged me for it, and refused to remove or refund it. My own personal insurance information has been provided on emails dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Shellpoint is deliberately unresponsive and unclear about why lender-placed insurance was placed on the account in the first place. Shellpoint is not operating in good faith to resolve this issue and continues to fraudulently charge me for lender-placed insurance.
Product: Mortgage

on the XX/XX/XXXX I needed to make a payment or pay a late charge, Citimortgage allows individuals to make mortgage payments using a debit card. I have done this in the past without a problem, On this day my debit card was not accepted. I hung up the phone. I checked the app on my phone. i had the funds to pay the mortgage and could find no restrictions on my card. I called Citimortgage back and tried to make another payment. Again my card was not accepted. I asked to speak with a supervisor. The supervisor and the representive both told me I could use my checking account. I explained I did not use checks because I used my debit card and could not remember my account number. The supervisor asked me if I would hold while she contacted my credit union.The supervisor, the credit union,  and I were on the phone together. There was no problem according to XXXX XXXX XXXX. From what I could understand, The problem seemed to be with Citimortgage. I told Citimortgqage I could send a money order, but I felt that I should not have to pay a late fee because I had made an effort to pay the mortgage on time. the suprvisor stated I would not have to pay the late payment as long as the credit union would send a fax to them about the debit card. The credit union stated they would send the fax. I went to the post office and boufgt a money order for {$600.00} and mailed it to the mortgage company. Since then I have received a phone and a email stating I owed a payment for XX/XX/XXXX.
Product: Debt collection

I received a letter on my apartment door that I would need to vacate apartment by XXXX the XXXX or face eviction. I moved out of XXXX XXXX XXXX  XXXX XXXX 2019. 

I emailed, and called XXXX XXXX to let them know I would be leaving on XXXX the XXXX. 

I talked to the apartment complex manager XXXX XXXX who assured me I owed nothing. And I could leave before XXXX, XXXX. They just wanted me gone before above date. 

I received a letter from hunters warfield explaining I owed their client XXXX on XXXX, XXXX. I was shocked. 

I asked for validation of debt .I received a reply back. I was mailed a document saying I owed XXXX rent. And that XXXX XXXX   reimbursed the apartment complex for part. Hunter warfield says amount I still owed is XXXX I owe nothing to anyone. I payed last month rent in XXXX XXXX. Ive showed Hunter warfield email to XXXX XXXX stating I would be leaving in XXXX XX/XX/2019 I showed them payment on XXXX. 

From this point Ive been getting the run around. Hunter warfield says contact XXXX XXXX. XXXX XXXX says I have contact apartment complex. They however do not pick up ( try for yourself to see if you can reach XXXX XXXX  and someone actually pics up ) Ive however left messages with apartment. They will not call back. 

Ive disputed debt with XXXX. Hunter warfield told them I still owed debt. It is on my credit report. 

I refuse to pay a debt that I did not make. This is very disheartening that one can be lied on. Your credit score, your credit reputation destroyed over a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even lexisnexis and nothing has been resolved. It was taken of off XXXX  XX/XX/XXXXbut its still showing on XXXX and XXXX XXXX. I am trying to have a fresh start and its not right these lexis nexis and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through lexis nexis. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.