23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.
Product: Credit card or prepaid card

Billing Errors, notice was sent out XX/XX/2022 Also see attached documents
Product: Debt collection

In XXXX of last year, I received a letter from Credit Collection Services stating that I owed a debt to XXXX XXXX, which is a utility company in Illinois. I called up the collection agency and explained that I have lived in Colorado since 1994 and that this debt must be for an account that my deceased father had. The women with whom I spoke asked me to confirm the phone number which was XXXX, which is not my phone number, but my father 's, XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX. At that point, the lady said they would send the debt back to XXXX as it is for a person who is no longer living. 

However, today, I received another bill by the same company for the same debt. I want some assurance this debt will not hit my credit report, as it is not mine, but my father 's, who is no longer living. I want a record of CCS stating they will not report this debt on my credit, as it is associated with my father. Please note the address they are sending this debt to is a Colorado address, however XXXX XXXX is a XXXX XXXX XXXX. They need to do a better job of verifying who's account this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had portifoilo took off my XXXX XXXX report but it show on the other two reports. It was removed because of fraud
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX XXXX, NUMBER Accounts : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX paid off medical collection account from XXXX XXXXXXXX XXXX ... as of XX/XX/2022 there is a law to remove them from credit reports starting XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX our home was foreclosed on. For the past XXXX and XXXX years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2023, XXXX XXXX entered the TD bank branch in XXXX XXXX FL and removed me from several co-owned bank accounts without authorization or consent. The branch manager was complicit in this fraud and did not require proper written consent to make these account adjustments. TD bank violated my rights and has created irreparable harm. They may have accepted falsified documents and otherwise failed to protect my privacy and failed in their own due diligence. The bank refuses to provide relevant policy and procedures that were followed in taking their actions and has failed to investigate my concerns. 

The impacted accounts end in XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES. I HAVE A RIGHT TO PRIVACY. SECTION 2 ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION, AND UNDER 15 USC 1666B, A CREDITOR CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. A creditor may not treat a payment on a credit card account or account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My personal information was part of data preach by XXXX I've contacted the XXXX bureaus about my concerns to no avail the following accounts are as follows need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting as a individual when it is a business credit card, XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX hard inquiry all of this was not authorized by me which show incorrect info the address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX was never my address and when contacted the creditors none of them could validate me owning this debt. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the address they have has never been my personal address. Please have all XXXX bureaus remove this info from credit file I will seek legal action.
Product: Checking or savings account

I used the service for the first time to take a payment for items I was selling. The customer inpute their card information and I received a receipt, which I sent to the customer via text message. Total purchase was {$7800.00}. After a day or so the funds were not in my account, so I contacted the company. They said they had sent me an email with questions I needed to answer before they could release the funds. I sent them a copy of the invoice which included all of the customers information, and I answered all of their questions about my business. I then recieved an email from them stating that they determined my business to have a high probability of charge backs so they would be closing my account. The {$7800.00} would sit with them for 120 days before they would release it to me. I called them to tell them to send the money back to the customer, and the customer would pay in cash instead and they informed me that because they closed my account they could no longer issue refunds either. 
Essentially they have {$7800.00} of my money that they are holding hostage for 4 months. The customer has the product as I was expecting to recieve the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I shopped around for a mortgage at several institutions and went with XXXX Mortgage who mortgaged my home. 

I was told by every institution who ran my credit that I could mortgage shop to a maximum of five credit runs with no issue and that once I was mortgaged the other four credit checks would be removed and only the one for XXXX  Mortgage ( done through XXXX XXXX  ) would remain. This process started in XX/XX/XXXX and we closed on our home in XX/XX/XXXX. 

I want the four remaining credit checks removed : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX MORTGAGE XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX  MORTGAGE XXXX XX/XX/XXXX XXXX MORTGAGE SERVICES XXXX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX I contacted XXXX, Experian and XXXX to have them removed and nothing has been done at this point.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information related to closed accounts on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that the following closed accounts are inaccurately reported : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$16.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I received a letter in the mail for settlement of debt that is being reported on my credit report. I have paid the agreed amount of {$240.00} to XXXX XXXX XXXX XXXX and no longer owe this debt collect. XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX sent me a " payment receipt for settlement of debt in full '' and it states that they would contact the original creditor shortly and it has be 15 days since payment. The company stated that XXXX XXXX XXXX the original owner of the debt will " in the normal course of their business, make the appropriate amendment to the credit reporting agency ( ies ), if applicable. When this debt was sold to XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, it was no longer XXXX XXXX XXXX XXXX. I have satisfied payment in FULL to the company who owns the account which is XXXX XXXX XXXX XXXX There is nothing that XXXX XXXX XXXX will report to the credit reporting agencies because they have sold the debt to another company. THIS DEBT IS NO LONGER OPEN AND SHOULD BE REPORTED AS A DELINQUENT ACCOUNT, NOR A COLLECTION ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I notice that on my Trans Union report my XXXX XXXX  XXXX XXXX  Account status has not been updated. My worst payment status is still reporting 120-149 days late. However on my XXXX account its listed as current, which is correct.
Product: Debt collection

experian says i owe 13 collections and gives me a XXXX score ( makes sense ) but they only show me 1 collections and the same XXXX score ( doesn't make sense ). other agencies show the same single collection on file and everything else the same with almost 100 more points to my score ... so to sum it all up, their system is glitched and betraying my financial responsibility in an extremely negative light limiting my abilities in life for no reason! Ive tried resolving this with them to just be put in a file and ignored ... this needs to be fixed immediately!
Product: Credit card

I opened a line of credit with JP Morgan Chase USA NA in early XXXX. The line was created using my Social Security Number and signature, thus a credit line was established. In the spring of XXXX I attempted to settle the entire line with the sum said total over the amount OWED to me ironically, the creditor, with a lawful negotiable instrument, UCC 3-104, which JP Morgan Chase kept , did not return nor apply to the account. I sent another as they claimed they did not receive the payment. I indicated I had USPS Certified Mail and Green Return receipts sent to their Trustee, and the Corporate Office and copies of the refused instruments. This is a mail fraud violation. Rather than settling the total tendered, they started charging me exorbitant " late fees '' and increased the APR, which according to my research is a Truth in Lending Act violation. JPMorgan Chase then sold the debt, illegally reported derogatory marks with all credit bureaus, and then a debt collector law firm posing as counsel on behalf of the bank, which JPMorgan sold off, to sue me in court, which violated their own Agreement Policy. This information was presented to the Debt Collector law firm, and District Court, as Mediation is supposedly required per their own Agreement terms. JP Morgan was in dishonor ( UCC 3-502 ) for violating the lawful payment, unlawfully sold and closed off access to my credit line, which I funded with my signature and SSN. * ( 8 U.S.C. 8, 31 USC 3123 ) JPMorgan Chase is aware that my signature and social security number and signature funded the line of credit per The Federal Reserve Circular No XXXX application they submitted, and they in turn received a security in exchange. When they refused me for " non payment '' and I asked to see a copy of the contract showing their signature, none was present, only my signature was on the contract. JP Morgan Chase has not provided me with their W9, or any tax forms for the line of credit established using my personal data. They sold the note to a third party, which is identity theft. When will Financial Institutions, such as JPMorgan Chase USA NA, be held accountable for their SEC, TILA, CFPB, and Federal violations? I suspect the account is still open and they are still using my signature and SSN to trade and open lines without my knowledge. I sent signatory rescission instructions to the US Dept of Treasury, so JPMorgan Chase Bank USA is unable to access my account any further. I thank the CFPB for escalating this matter, as I am certain there are other people whose rights have been violated by this unscrupulous legal fiction entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the account with SBNA/XXXX XXXX/XXXX inaccurately on my credit report. The account was paid and closed in XX/XX/2020. The balance is {$0.00}. However, the account status is reporting as 30 days late. This is inaccurate. I have disputed this information twice. It has not been corrected and the account is still reporting inaccurately on my report. XXXX XXXX  advised me that they have reported the account as paid to the credit bureaus and the account should reflect this and should no longer report as 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the list of accounts below has violated my Federally protected Consumer Rights To Privacy and Confidentiality under 15 USC 1681 I told the XXXX, XXXX and Equifax to Reinvestigate these accounts However they stated everything was complete and accurate but how is that possible if the open date date of last activity and much more is incorrect according to 15 USC 1681 I ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 USC 1681 Section 602 A 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 a Account without my Written Instructions! 5 USC 1681 C ( ax5 ) 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 then records of convictions of crime which antedates that report by more then 7 Years 15 USC 1681 S-2 A-1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

DISCOVER BANK Account XXXX 15usc 6801 Protection of Non- Public Information DISCOVER BANK has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy DISCOVER BANK did not clearly and conspicuously provide the disclosure forms.
Product: Mortgage

Mr. Cooper erroneously reported my mortgage payment late to XXXX - this has negatively impacted my credit score. I've been working hard to pay my bills on time and this is unacceptable! 

On XX/XX/18 I paid the mortgage on their website. Mr. Cooper removed the mortgage payment from my checking account on XX/XX/18 and then reported me late to the credit bureau on XX/XX/18.

OnXX/XX/2018 I called Mr. Cooper 's customer service to request that they correct this mistake. Their agent told me I would have to mail all documentation to prove their mistake. I emailed them all the proof on XX/XX/18 and they have not responded. 

Why couldn't one of their employees fix their own error which has negatively impacted one of their customers?
Product: Debt collection

Debt Collector : LVNV Funding LLC Reported Amount Owed : {$320.00} XX/XX/year> Action Taken : Dispute Mailed to XXXX, XXXX, and XXXX Details : I never had a contract with this debt collector for any debt. 
Requested proof from the original creditor that LVNV Funding LLC owns this debt and has the legal authority to collect it. 
Requested deletion of the account if proof could not be provided. 

XX/XX/year> Action Taken : Second Dispute Mailed to XXXX, XXXX, and XXXX Details : Reiterated that I never had a contract with this debt collector for any debt. 
Requested proof of the original creditors authorization for LVNV Funding LLC to collect the debt. 
Expressed disagreement with the results of the initial investigation. 
Requested proof of the investigation and the debt collectors legal right to collect, or deletion of the account. 

XX/XX/year> Action Taken : Third Dispute Mailed to XXXX, XXXX, and XXXX Details : Disputed the account again with the credit bureaus. 
Noted that the account was deleted from my XXXX report but not from XXXX and XXXX. 
Requested deletion of the account from XXXX and XXXX if the requested documentation could not be provided.

Violations of Federal and State Laws Federal Violations : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( a ) : LVNV Funding LLC failed to provide a written notice containing the amount of the debt, the name of the creditor, and a statement of my rights within five days after initially contacting me about the debt.

15 U.S.C. 1692e ( 8 ) : Reporting false information about the debt without proper validation.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation of my disputes, as evidenced by the failure to provide requested documentation.

Louisiana State Violations : 1. Louisiana Consumer Credit Law LRS 9:3562 : LVNV Funding LLC engaged in deceptive practices by reporting incorrect debt information without proper validation.

LRS 9:3571.1 : Failure to provide required information regarding the debt before reporting it to credit bureaus.

Intent to Exercise Legal Rights I know my rights under federal and state laws. If this account is not removed from my credit report or the requested documentation is not provided with all the details I have requested, I will exercise my legal rights. This includes pursuing legal action against LVNV Funding LLC for the following violations : Legal Actions Against Debt Collector : FDCPA Violations : Failure to validate the debt, failure to provide required notice, false reporting.

FCRA Violations : Failure to investigate disputes properly.

This detailed summary outlines the steps I have taken to resolve the dispute, the laws violated by LVNV Funding LLC, and my intent to exercise my legal rights if the requested documentation is not provided. Despite multiple disputes, I have not received any of the information or documentation I have requested from LVNV Funding LLC. Furthermore, the account was deleted from my XXXX report but not from XXXX and XXXX, which continues to be a violation of my rights under both federal and state laws.
Product: Checking or savings account

I received an XXXX loan for my business via Bank of America {$65000.00} on the XXXX of XXXX the next day I had hoped to go make some purchases for the business so I checked my online access only to see my account balance had changed to a - {$880000.00} and - {>= $1,000,000} so I went to the bank and was told my account and funds had been frozen along with all other funds I had in the account. 
I went to the bank to find out more about this claims and they insisted that if I wanted to retain the account I needed to bring prove of the business along with the loan. 
I sent in all documents of Incorporation, EIN documents, my loan documents and all documents pertaining to my business. I was given a phone number to call but even when I called the person still tells me that my account has been closed and they are holding all my funds without an explanation. 

Its been more than a month and 5 days and all I get from them is a run around, I have taken all prove of business to them already which should be sufficient enough but rather I am getting a run around each time I visit the bank or call to check on my account status, I get put on hold for hours and then cut off. 
Please I would like you to assist in getting this issue resolved.