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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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Product: Credit reporting or other personal consumer reports

Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair.
Product: Credit reporting or other personal consumer reports

I never heard of these companies. I have never authorized any of these companies to have my information. This is fraud. This is illegal.
Product: Debt collection

While checking credit reports which on XXXX I noticed Midland Credit Management is negatively reporting that I owe them {$780.00} and has been doing that since XX/XX/scrub>/2024. I contacted them to request debt verification and they refused to provide it to me I also demanded that provide me with the original contract that I signed with them in an attempt to verify that I actually owed them money. I was denied that information too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was voluntarily returned to the finance company in which they sold the car and collected funds from the sale. They have yet to update what is being reported to my credit report. The balance and current status is incorrect
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the validity of the debt that you claim I owe, referenced by account number XXXX. Your attempts to collect on this alleged debt are not only unwarranted but also unacceptable. 

I request that you provide the following documentation to validate this debt : Proof that I am legally obligated to pay this debt. 
The original creditor 's name and contact information. 
A detailed accounting of the debt, including dates and amounts. 
Any written agreement that shows my responsibility for this debt. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and expect your full compliance in providing the requested information. Until I receive the documentation requested, I demand that you cease all collection efforts and refrain from reporting this alleged debt to any credit bureaus. 

Please be advised that failure to respond to this dispute within the legally required timeframe will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states attorney general. I will also consider seeking legal counsel to protect my rights. 

I expect a prompt and thorough response to this matter. Thank you for your immediate attention to this issue.
Product: Credit card or prepaid card

I received an automated call from ( XXXX XXXX XXXX offering to lower my Chase credit card interest rate. When speaking with the person, they asked for my expiration date of the card which I did not give them. Then they began asking what other credit cards I have and said they work for XXXX XXXX also. Then said they dont work exclusively for Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTOR IS STILL ILLEGALLY REPORTING TO ALL BUREAUS IN VIOLATION OF FCRA ETC.
Product: Checking or savings account

XXXX Capital One bank XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Subject : Capital One bank a/c # XXXX To the office of director of Operations Dear sir, I kindly write this letter to your office in reference to the above account, For you, to instruct the right department to research, audit and refund me A short balance of {$27000.00} as per attached Excel summary as soon as possible. 
The book reviews a record from XXXX to XX/XX/XXXX Note : 1 ) I HAD CREDIT CARD WITH CAPITAL ONE BANK ACCOUNT # XXXX AND I MADE A FINAL SETTELEMENT OF XXXX {$930.00} in XX/XX/XXXX in full But asked to pay two times {$130.00}, XXXX so paid again asked to pay for third time 2 ) I traveled to XXXX and made a purchase of over XXXX {$5000.00} But cancelled the transaction, and the XXXX and XXXX refunded this money to the credit card company but Capial One bank denied. so after long and problematic process money was refunded Partially, having a credit card insurance. 
3 ) as per my Report to consumer finance protection office I had a balance of XXXX XXXX XXXX ( usd XXXX ) Per recorded but the bank system gave me a balance of XXXX XXXX ( {$3500.00} ) A short balance of ofApprXXXX {$6500.00} 4 ) I was denied a right to a year bank statement instead asked to pay USD {$200.00} for the statement against the law, calculating I do not have the money in account, still I request this bank to produce A two year bank statement and mail to my XXXX address 5 ) I was deprived a right to reset online password by email security authentication, still request to send me a password reset via my XXXX account Thanks XXXX XXXX XXXX cXXXX XXXXXXXX, va XXXX XXXX XXXX C.C - consumer finance protection bureau Office of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Beaures are refuding to delete these inquiries due to IdentityTheft!! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am attaching my identity theft report to prove it!!!
Product: Credit reporting or other personal consumer reports

Transunion is breaking the laws, XXXX is reporting inaccurately. The payment history is wrong, This account was forgiven with a XXXX. The date of open is the wrong year. This account is reporting inaccurately. 
Theres a bankruptcy reporting that isnt reporting accurately. No other credit reporting agency is reporting me as having a bankruptcy, so how are you verifying this? 
XXXX {$2400.00} XXXX {$4900.00} XXXX {$11000.00} The XXXX all are reporting inaccurately. 
The payment histories are all incomplete. The credit bureau must report complete and accurate information according to the FCRA law. I have a right to sue this bureau for fraudulent reporting. 
The payment histories are incomplete and they are inaccurate. No one can legally have a charge off every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing a bankruptcy being reported from the county clerks to my credit. I have verified this information with the county clerks office and they informed me that they do not report to any of the credit bureaus. I submitted this information to the creditors showing that the count clerks office does not report this information to any of the 3 credit bureaus. When disputing this information due to ( FCRA ), 15 U.S.C. 1681 this information should be removed from my credit. I received my dispute back stating that they have confirmed the information and it is accurate and they are leaving the information as is. I am filing this complaint because that information is inaccurate and should be deleted.
Product: Mortgage

I received a letter from Fay Servicing , LLC dated XXXX XXXX, 2015 that my mortgage loan was sold, transferred or assigned to a new creditor, XXXX XXXX XXXX. The date the loan was sold to the new creditor was XXXX XXXX, 2015. This is the third time my mortgage loan has been sold right before finalization of my deed in lieu of foreclosure resulting in multiple unsuccessful attempts to complete the foreclosure process. Not only is this frustrating, but I was not given the appropriate notice about the creditor change. I should have been given no less than 15 days notice before the effective date of the transfer.
Product: Credit card

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year>XXXX  and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 
XXXX. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inthe consumer for that description. 

But they did not do that as well either. 
They are also breaking these laws as well below. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair to me.
Product: Vehicle loan or lease

To : Pentagon Federal Credit Union Address : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL nearby XXXX XXXX ] U.S.A non-domestic XX/XX/XXXX Notice To Agent Is Notice To Principal Notice To Principal Is Notice To Agent Re : FINAL ENFORCEMENT NOTICE AND DEMAND TO CURE APPLICATION # XXXX / # XXXX This FINAL NOTICE is issued to Pentagon Federal Credit Union on behalf of the AMARE BEY FAMILY TRUST. You are hereby noticed that a perfected lien, public legal notice, and commercial security agreement were executed by the undersigned and remain in full force and effect. Pentagon Federal Credit Union dishonored the credit applications accepted in XX/XX/XXXX under Application Numbers XXXX ( {$65000.00} ) and XXXX ( {$500.00} ). 
You failed to provide IRS disclosure, Treasury routing confirmation, or XXXX authorization. This dishonor violates 26 U.S.C. 7201, 15 U.S.C. 1691, and UCC 3- 419. The XXXX XXXX XXXX XXXX has Power of Attorney over both XXXX XXXX XXXX and XXXX XXXX XXXX as notarized in the public record. A Security Agreement was executed and publicized via the XXXX XXXX XXXX XX/XX/XXXX, under 715 ILCS 5/0.01 et seq.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Coronavirus pandemic, we are now in receipt of your results.

On the onset, you stated and I quote ; We take compliance with all applicable state and federal laws very seriously. In this circumstance no contract with XXXX is required to validate the account.

We are a nation of laws. The misrepresentation of XXXX XXXX is egregious based on the fact that they only provided an alleged  ledger. XXXX provides a relation back theory to substantiate a dispute in this circumstance. 

Therefore, if CFPB refuses to compel XXXX XXXX, to turn over the material verification documents ; then I, demand that XXXX XXXX provide an application with my signature on it that  demonstrates myself seeking any form of financial help or credit from the original lender or the aforementioned downstream lender in order for them to properly validate that this account belongs to me. 

My records indicate that I have not received any such notices from XXXX XXXX to come to court in or around XX/XX/2017. 

Therewith, it appears that XXXX XXXX gained a judgment without prejudice, based on no appearance opposed to what XXXX XXXX alleged.

Addressing court records, I was never served a complaint or summons at any time. My dispute remains clear. This account was not initiated, nor an application signed by me, seeking any services.

Conclusively, provide me the controlling document in this dispute which is either contract or application with my signature on it, which sought credit from the parties listed herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a description of re-investigation procedure from Transunion pursuant to 15usc1681i ( 7 ) of the Fair Credit Reporting Act. Transunion claims to have verified the accuracy of 3 accounts.
Product: Mortgage

On XXXX XXXX I received via mail that my loan from Dovenmuehle was being transferred to XXXXXXXX XXXX  on XX/XX/XXXX. My next payment is due on XX/XX/XXXX and I was to send my New payment to : Attn : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX. At the end of the letter there is a bogus date of XX/XX/XXXX, so somehow it took 14 calendar days to reach me in the mail. I was instructed to send my payment due on XX/XX/XXXX to my new processor and there is no instruction on who I should make the payment out to. The address doesn't even have a company name associated with the address. I logged into my Dovenmuehle online account and there is no notice in there letting me know my loan has been transferred. Also the new loan provider XXXXXXXX XXXX  has sent me zero information about where to send my payments. I made a payment to my old service provider Dovenmuehle on XX/XX/XXXX so I can avoid any late fees with the new provider. Even if I were to send a check in the mail the day I got this notice I doubt it would make it to the new loan servicer by the due date of XXXX XXXXXXXX, XXXX. I'm sure there is a grace period with loan transfers, but this is ridiculous that I have to jump through a bunch of hoops to figure out where I make my new payments. Tried signing up on the XXXXXXXX XXXX for online services and it says my account isn't eligible. So I get a notice that my loan has been transferred, but I was not provided who I make a new payment out to and all I'm given is to send it to Cash Processing ... ... XXXX? At first I would think scam but my current loan servicer shows my automatic payments are shut off so I going to assume the transfer is in progress. Only thing I can figure is my current loan ( XXXX ) servicer does this every year right before Taxes are due to the county you're in so they can hold onto your escrow funds for as long as they can to earn interest on those funds before sending them to the new loan servicer. My loan was sold to Dovenmuehle in XXXX XXXX and they sold it again in XX/XX/XXXX ... .why do I have to go through all this effort just to pay my mortgage????
Product: Debt collection

eI am having a problem where i come out with a judgment entered in my name in New york state. I have been a victim of identitiy theft. 

I contacted CACH on few ocassions to send them a copy of the Police Report so i can get a release of lien and to no avail have i been able to get the matter resolved. My Social is XXXX I never opened that account and its showing a balance of XXXX
Product: Mortgage

I am a XXXX Veterans. Sending these e-mails and calling sometimes take me a lot of time. Bayview Loan Servicing , LLC . is retaliating against me for submitting my complaint to the CFPB ( XXXX ). They still do not answer my e-mail or mail. 
I was able to speak to XXXX today and she said that she could not speak to me because I filed a complaint. She says that BLS has until XXXX XXXX, 2017 to reply to my complaint and that my foreclosure trial is still on XXXX. XXXX, 2017. Is it possible to postpone the XXXX XXXX, 2017 trial. Thank you. 
Very respectfully, XXXX XXXXXXXXXXXX XXXX
Product: Debt collection

Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance.
Product: Credit reporting or other personal consumer reports

POA is attached with this complaint. Credit Management LP has ruined my reputation by way of reporting false and misleading statements that hinder my ability to obtain personal goods and services for my household needs. Credit management never had a binding contract with my person. 
Thier must be mutual assent and valid consideration for a contract to be binding. I need a certified copy from the Secretary of State signed and sealed stating Credit Management lp has the authority to act on behalf of XXXX XXXX XXXX 
I demand a swear statement under penalty of perjury that XXXX XXXX Lawfully owes this debt. 

I request that Credit Management Cease and Desist all further attempts to collect until this matter is addressed point by point in the notice given below.
Product: Credit card

I purchased electronics at the Best Buy store in XXXX, TX on XX/XX/XXXX. The salesperson persuaded me to take advantage of their interest-free financing offer through the Best Buy store credit card, which is issued in partnership with Citi Cards XXXX Due to their persistent encouragement, I opted for this financing option. Since then, I have consistently made all my monthly payments on time. 

However, in XX/XX/XXXX, Best Buy charged me an exorbitant interest amount of {$3800.00} for the year XXXX. Additionally, they charged another {$670.00} in interest for the period from XXXX to XX/XX/XXXX. The total interest charged so far amounts to {$4500.00}, which is more than the remaining balance on my credit card. 

Typically, financial institutions should apply monthly interest on the remaining balance starting from the end date of the promotional offer. In my case, the promotional offer was supposed to end in XX/XX/XXXX. However, it appears that the financial institution has retroactively applied interest from the beginning, despite my regular monthly payments. This practice seems unfair and exploitative. 

I seek your assistance in addressing this issue and reducing these excessive interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I m a victim of identity theft trying to get my credit report back where it was
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with first XXXX XXXX credit card, which I never applied for and also XXXX wireless which was discharged in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX but XXXX and Equifax are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.
Product: Debt collection

My name was used with someone named XXXX XXXX as a co signer to create this account without my knowledge. I never opened this account up. My identity was stolen and is being used to open several accounts fraudulently. I have had my data breeched four times since 2019. I've tried to resolve this issue several times to be able to actually open my own line of credit through XXXX  XXXX in realizing there is already a fraudulent account. It's been a couple years that I've had this issue with lvnv funding inc and it stands the same today as they have kept it. Stubborn as they are they refuse to change or dispute the charge and won't listen to my report for them.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I am fully aware of the Consumer Financial Protection Bureau ( CFPB lawsuits against Experian and XXXX for conducting sham investigations and failing to properly investigate consumer disputes. I expect all credit reporting agencies to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. XXXX XXXX is a third-party debt collector. They have not been given any permission to report anything on my credit report. Under 15 USC 1681b : Permissible purposes of consumer reports they are reporting inaccuracies and false information since under 15 USC 1692e they are not representing XXXX XXXX  but purchased the debt and are now the owners of set debt. There has been no debt validation provided. Furthermore I officially request complete debt validation, chain of title, original creditors charge-off, date last payment made on original account, original creditors contract with original signature allowing the alleged debt to be sold without permission, and any forward flow agreement. I am also requesting a Cease and Desist on the account collections and all reporting of the account to all credit reporting agencies. The account is full of inaccuracies and misleading information and needs to be deleted immediately since this is not the first time this has been reported. As you can see with the included documents from XXXX the reporting is different from XXXX XXXX with them which is grounds for deletion alone but with all the others FDCPA violations I am requesting immediate removal of this accout from my credit report which is reflecting negativitly on all credit reporting agencies and violating my rights. Before I take legal matters I am giving the opportunity to correct all these violations and reporting errors or simply deleting the account from my credit report. 
I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.