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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX - Account # 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.
Product: Credit card or prepaid card

I purchased a graphics card from an individual on XXXX marketplace on XX/XX/2021 and paid them through XXXX. The item he was supposed to send he sent a picture of and what I received was a box that was too small to have had the graphics card in it. I will attach pictures to show the difference in what was supposed to be sent and what I received. I contacted chase bank and they refused to dispute the charge or do a charge back for the amount of {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I changed security company XXXX XXXX XXXX that I had used since XXXX to XXXX XXXX XXXX because they offered a better plan for less money. I called XXXX after XXXX XXXX XXXX had installed the new system on XXXX XXXX to cancel my account with them and told them I was using another company. I had automatic bill pay with XXXX so I cancelled that with my bank because I no longer had their system. They still tried to put the payment for the next month through but my bank declined it because I had cancelled the automatic payment. XXXX then sent me a bill so I called them and was told I couldn Cancel because I was still under contract. I told them I still had my contract which was for XXXX yrs.and that ended in XXXX. They still billed me and added late fees which brought it to XXXX I refused to pay it so they turned it over to a collection agency and the collection agency put it on my credit report. I have disputed this charge but they refuse to take it off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an account listed on my credit report that I believe is a result of identity theft. I have recently reviewed my credit report and this accoutn I do not recognize, and I have not authorized this.
Product: Credit reporting or other personal consumer reports

Experian data XX/XX/2024. The credit reporting company Experian shows several incorrect and irrelevant addresses, misspelled names, and phone numbers that are no longer relevant and/or are not my most recent address. I attempted to have them removed and was told that previous addresses are relevant to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3RD time I have sent a complaint about this fraudulent account from THE XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX. I have informed the 3rd Party collection and the credit bureaus that it has been reported to both XXXX Police and FTC. Now a 3rd time with the CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX Dear, XXXX, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

My Car Credit Account spending limit was reduced. The account was opened in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the original credit limit of {$1700.00} was reduced to {$1100.00}. I used this account for a car repair. 

The letter I received stated I had a lack of real estate and other reasons that were present when the gave me this account.
Product: Debt collection

Resurgent has been sending me collection notices in the amount of {$1100.00} the collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit card or prepaid card

I opened an AMEX Delta Skymiles  card in mid XX/XX/XXXX, in response to a 60k Delta bonus miles offer ( XXXX for {$2000.00} in purchases within the first 3 months of membership ). I made a XXXX-XXXX  purchase of exactly {$2000.00} on XX/XX/XXXX, meeting the offer requirements. 

On contacting customer service the first week of XXXX, I was told that an investigation would have to be opened into why the charge was not registering on their end. I checked again on XX/XX/XXXX and was told the investigation was resolved and i would get my bonus miles 8-12 weeks after the charge date ( XX/XX/XXXX ). It is XX/XX/XXXX today ( more than 12 weeks ) and on contacting customer service, was told another investigation would have to be opened into why i haven't received my miles and that could take 6-8 weeks. 

AMEX is not fulfilling on its advertised offer and the long wait times are affecting my travel plans. Customer service is clueless and can only offer an endless loop of investigations that apparently take months to complete. Very disappointed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times on each day from XX/XX/XXXX through today, XX/XX/2020 to lift the security freeze on my Equifax account so that a mortgage company can run my credit report. I have tried Equifax 's online feature and it's telephone feature and each time I receive a message that they are unable to complete my request at this time ( online ) or are unable to verify my identity even though all information was provided correctly and the text code they sent was reentered for them correctly. I managed to get a live person on the phone once on XX/XX/XXXX who basically told me tough beans, the system is down, try later. I asked if there was any other way to get it lifted and the rep said no, try in a few hours online. Other than that one time, every number I have called has put me into the automated telephone feature loop with no way to get out ( such as by hitting " 0 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report XX/XX/2022 I sent Equifax, XXXX, XXXX Investigation Request letters to make sure it was 100 percent accurate information via 15 U.S.C. Sec. 1681i ( a ) If not I asked it to be deleted. In the letter it was 30 days giving to investigate and respond with a updated report to be sent back to me after the investigation. I never got a reply from neither of the Credit Bureaus mentioned above. I also sent them the violations on the credit report highlighted where it was not 100 % accurate. They disregarded my letters for the investigation and did exactly what they wanted to do. Now after all of that they tried to update everything to make it look as if it was accurate. Knowing it is XXXX dollar fine for every violation or they must delete the account. They choose to act if the account was 100 percent accurate by changing everything around. I have proof it was inaccurate before they updated the credit reports. The updated credit report will also be in the attachments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or practices therefore the sophism must be eradicated as is my licitly requested resolution, please do so HERE AND NOW! This claim has lauded ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : Page 5 of 60 XXXX XXXX  With reference to item questioned above, Creditor Type : reported as Not Reporting for Experian , Other Collection Agencies for XXXX XXXX XXXX and as Not Reporting for XXXX and as such is one, each or all in aberrancy from the requisite standard ( s ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting. This field, as reported, is a divergence from the established XXXX  reporting standards and or is reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies on my credit report. Despite my previous disputes, the credit bureaus have failed to properly investigate and correct these erroneous items, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under sections 611 and 623. Due to these errors, my credit score has been severely impacted. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry - XX/XX/XXXX I have no association with these accounts, yet they have been wrongly attributed to me. Under FCRA Section 609, I request verification of these accounts with proper documentation proving they belong to me. If no such documentation exists, they must be immediately removed from my credit file. 

Incorrect Addresses on File : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX These addresses do not belong to me and should not be associated with my credit report. The presence of inaccurate addresses can indicate identity confusion or potential fraud. Under FCRA Section 605, outdated or incorrect personal information must be corrected or removed.

FCRA Violations Committed by the Credit Bureaus : Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ) My previous disputes were not properly investigated.

Failure to Provide Verification ( FCRA Section 609 ) The credit bureaus have not provided legitimate proof that these accounts belong to me.

Failure to Maintain Accurate Information ( FCRA Section 623 ) Reporting inaccurate accounts and addresses is a violation of my consumer rights. 

Requested Resolution : Remove all the incorrect accounts listed above from my credit report immediately. 

Remove all erroneous addresses from my credit report. 

Provide written confirmation that these inaccuracies have been corrected. 

If these errors are not corrected promptly, I will escalate my complaint by seeking legal remedies under the FCRA. Please address this issue immediately and confirm the corrective actions taken. 

Sincerely, XXXX XXXX
Product: Mortgage

My request for mortgage modification on XXXX XXXX was sent to Select Port Folio with my financials to request a mortgage modification. Spoke with customer service and was told they were not processing my request. I don't want to lose my home. 
I've been given the run around trying to get help with keeping my property. 
Please Help
Product: Credit card

I told them that I could only make a little of payments of. Month I fall behind due too not having a job
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a ( 30 ) day late on the XXXX XXXX XXXX account number XXXX. ( Please see page 2 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.
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 # XXXX Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # 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.

15 U.S.C 1666b Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXXXXXX, SC XXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to RESURGENT/LVNV FUNDING. I am requesting debt validation. I am requesting the purchase agreement between RESURGENT/LVNV FUNDING and the original creditor XXXX XXXX. I am requesting proof that RESURGENT/LVNV FUNDING Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. 
2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 
4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of RESURGENT/LVNV FUNDING communicating with me through email/text/calls. 

Sincerely, XXXX XXXX
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 # XXXX, Account nameXXXX XXXX XXXX  : Account # XXXX, Account name, XXXX XXXX XXXX Account # XXXX, Account name, XXXXXXXX XXXX  : Account # XXXX, Account name, XXXX XXXX XXXX XXXX Account # XXXX, Account nameXXXX XXXX XXXX XXXX XXXX : Account # XXXX, Account name, XXXX XXXX XXXX XXXX XXXX Account # XXXX All above referenced accounts 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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Debt collection

Received telephone call from unknown telephone number resulting from debt collection company and they did not leave message.
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).