23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2017. A check for a balance transfer was sent to citi bank XXXX XXXX. The check has been cashed and the debt was never cleared. XXXX XXXX has sent me to collections and called me over this balance. I have faxed numerous copies of the check to XXXX XXXX and my credit continues to take a hit.
Product: Credit card or prepaid card

The information provide from XXXX XXXX Account was open in XXXX under my name and closed same year in XX/XX/XXXX I been out work since XX/XX/XXXX For Sickness. I dont have any credit card around the dates mention I made a police report. As I was told from National Credit Adjust
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on 10/23/22. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 


XXXX XXXX CO Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXccount Number : XXXX ; XXXX CARD Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXccount Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  I Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

There are loans for {$1600.00}, {$4900.00}, and {$11000.00} for an account opened in XXXX  that I didnt open. Someone is making payments but its not me. Ive requested information but nothing reveals who opened the account. I need it removed from my report. My XXXX file number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived at these properties XXXX XXXX XXXX XXXX. Pa.XXXX XXXX XXXX XXXX XXXX XXXX. Pa. XXXX XXXX XXXX XXXX XXXX. Pa. XXXX How do I get this removed from my report????
Product: Credit card

American Express National Bank is the sponsor of the card who issued me the credit card ; however, since then they have sold my account to American Express XXXX XXXX XXXX XXXX XXXX, and then again to American Express Credit Account XXXX XXXX. When American Express National Bank transferred/sold the account to American Express XXXX XXXX XXXX , they no longer have the authorization to collect on my accounts.

When American Express National Bank transferred my account to American Express XXXX, they securitized that account, turned it into a book entry
security and began to trade my securities on the secondary market without my knowledge. They are supposed to send me the interest on that account each month, but they have failed to do so. I mailed American Express, XXXX different book entry securities ( aka statements ), stamped and endorsed for them to take the funds and credit my account and they failed to do so. I have attached the XXXX securities that they did not credit to my account or return them to me, which is a theft of my security. I have given American Express at least XXXX chances to make this right, but they have refused to contact me to rectify this situation. I also sent correspondence to the Legal Department in reference to this issue, attaching pages of the forensic audit showing their fraud, and no one ever called me back.

American Express has committed theft of my securities, as well as securities fraud as they are trading my security on the secondary market even though they state in their Prospectus dated XX/XX/2018 ( b ) Security Interest, that they will not the securities on the secondary market, showing the breach of contract with the SEC and the securities fraud, since they are not reporting those earnings to the SEC.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate late payment reported on my XXXX XXXX credit account. The late payment, which appears on my credit report, is incorrect and does not reflect my actual payment history. 

I have consistently made my payments on time and have documentation, including bank statements and payment confirmation emails, to support this. I believe that XXXX XXXX has reported a late payment in error, and this has negatively impacted my credit score and financial standing. 

I respectfully request that XXXX XXXX investigate this matter, correct the inaccurate late payment on my account, and update my credit report to reflect the true status of my payments. 

Experian credit report showing XXXX  XXXX inaccurate late payment : Account # on experian : XXXX Shows late on XX/XX/2023 2023
Product: Checking or savings account

I opened my account with Citi Bank on XX/XX/XXXX. I promptly change my direct deposit information from the XXXX so that it would help fund the account. On XX/XX/XXXX I received notice via email that the account is restricted and will be closed. I then changed my direct deposit information with the XXXX  so that it would not be deposited into the now pending closing. I called Citi Bank and they assured my that the deposit would not go through and that it will be returned to the XXXX After calling today to get an update on the deposit, Citi Bank stated that the deposit completed and that I would have to wait 60 days for a paper check. This is after stating that because my account was restricted no deposits can be made.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against [ Credit Reporting Agency Name ( s ) ] for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with the inaccurate reporting of information on my credit report due to identity theft. The details of my complaint are as follows : Inaccurate Reporting of Identity Theft : My credit report includes a XXXX  XXXX account under the name " XXXX XXXX XXXX. '' My correct name is " XXXX XXXX XXXX. '' This is a clear case of identity theft, and the continued reporting of this account under the wrong name is both damaging and inaccurate. 

Failure to Conduct Timely Investigation : I reported this issue to the credit reporting agencies over 30 days ago, yet they have failed to resolve the matter within the legally required timeframe. Under 15 U.S.C. 1681i of the FCRA, credit reporting agencies must investigate disputes and correct inaccuracies within 30 days. 

Unlawful Re-insertion of Disputed Items : After initially removing the disputed items from my credit report, they have been re-inserted without proper notification and justification. This violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, which mandates proper notification before re-inserting any disputed information. 

Lack of XXXX XXXX : I never provided written consent for the reporting of any accounts cited on the identity theft report. According to 15 U.S.C. 1681b of the FCRA, a consumer reporting agency may furnish a consumer report only under specific conditions, including the consumer 's written consent, which in this case, I did not provide.

Failure to Remove Identity Theft Information within Four Days : According to 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block information resulting from identity theft within four business days of receiving appropriate proof of the identity theft. Despite providing the necessary documentation, the agencies have not complied with this requirement. 

Denial of Credit : I was denied credit because of the inaccurate XXXX XXXX credit card account. According to 15 U.S.C. 1681m, users of consumer reports are required to provide consumers with notice when adverse actions are taken based on information in a consumer report. This denial of credit has caused me significant harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC Last reported XX/XX/2023 {$670.00} Open balance You are in Direct Violation of The Fair Reporting Act ( LVNV FUNDING LLC ) has violated several of my rights. 
15 U.S.C 1681 section 602A. Clearly states that i have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2. Its also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.A 1666B : A creditor may treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

XXXX is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX is reporting Caine & Weiner, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX is reporting XXXX XXXX XXXX XXXX on my report. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make 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 XXXX days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I have never done business with this company. This company is reporting inaccurate information on my credit report.
Product: Debt collection

There is a debt in collections on my credit report since 2013 I have no idea what it is or what it's for but the amount goes up a dollar every 7 days that passes I have tried to dispute it but I've got nothing I really need this removed off my credit report it is really hurting ability to build my credit. The amount is XXXX since XX/XX/2013 I am really confused on what its for
Product: Credit reporting or other personal consumer reports

LexisNexis provided a bogus response stating they could not remove the bankruptcy due to not verifying my identity this is untrue. I have provided LexisNexis with my identification several occasions and I find their stall tactics to be completely unacceptable so I have no choice but to sue LexisNexis and recover damages this serves as notice.
Product: Student loan

This is related to CFPB complaint XXXX. 

Sent several emails requesting information about my account starting in early XX/XX/XXXX. It wasn't until my first complaint with the CFPB in XX/XX/XXXX did I received a response telling me that my problem had been resolved because I had spoke with a customer service representative on the phone. It had not been resolved, hence the several following emails requesting information. On XX/XX/XXXX I received an email response from MOHELA saying that the Department of Education had put me into a discretionary forbearance as part of the XXXX loan discharge process and that they will now be taking me out of the forbearance status. I did not request to be taken out of forbearance, I just wanted to know 'why ' they had put me into forbearance, why they were charging me interest on something I did not ask for, and when do they expect this to be resolved. 

On the early afternoon of XX/XX/XXXX I checked my account and it was still in forbearance. I checked my account this morning ( XX/XX/XXXX ) and am now showing that a {$400.00} payment is due on XX/XX/XXXX. I did not receive any notice that a payment was due. I now have less than XXXX weeks to make a payment, and since I am not sure I can come up with that kind of money in such a short period of time, I am concerned that I will now have a late fee and be disqualified from XXXX program. I feel that this is completely unethical and unfair business practices. 

I did respond to MOHELA 's XX/XX/XXXX email stating my concerns about not receiving a payment notice, the payment due date being in less than XXXX weeks, and that I want them to put me back in forbearance ( without interest accrual ), but it takes them months to respond, so I'm not quite sure what to do here.
Product: Mortgage

The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his XXXX offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. They apartment is now being offered for sale by XXXX XXXX ( XXXX ) XXXX XXXX # : XXXX for {$720000.00}. The apartment is still in the name of the Estate of XXXX XXXX. The bank and the buyer have not been able to transfer title, do to its illegal actions. The Estate feels it is do all remedies available to it by law. Breaking and entering changing the locks without authorization of the Estate which still legally owns the property. They also remodeled the kitchen and bathrooms illegally. Please help the Estate of XXXX XXXX our deceased daughter.
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. 


FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Debt collection

Over past few weeks have been receiving phone calls that caller ID identifies as Fifth / Third bank. the # is XXXX. When I pick up and answer there is silence on the other end of the line ( I can not tell if its a human or a robot. After a few moments the phone will disconnect. Yesterday I call 5/3 @ XXXX to verify if the phone # calling me was a 5/3 # ... after being put on hold the representative came back on the line & stated that YES ... THIS # IS FROM THEIR COLLECTIONS DEPARTMENT, ( SHE ADMITTED THAT 5/3 WAS MAKING THESE CALLS ) plus I have had other similar calls from other # 's .... 
15 USC 1692F ss 806 ( 5 ) Seems clear regarding this type of call. 
THESE ARE HARRASSING PHONE CALLS. 
IT 'S INCONCEIVABLE TO ME THAT A BANK WOULD ACT IN SUCH A DISPICABLE MANNER, I do n't even believe it is me that they 'd be trying to contact ... PLEASE HELP WITH THIS ISSUE Thank You.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, Texas XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Dispute Department TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXX XXXX XXXXXXXX Dear TransUnion XXXX Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : Disclosure of privacy policies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Accuracy of credit reports. 
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXX XXXX XXXXXXXX This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( XXXX ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX