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

Documentation with my signature and any other documentation requested but not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I send a letter to XXXX XXXX XXXX, and Lexis Nexis from US Bankruptcy Cout saying they did not report to the following companies.
Product: Credit reporting or other personal consumer reports

I am filing a Complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to Ensure XXXX complies with Federal Law and provides consumers with the necessary proof investigation. 

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
Product: Credit reporting or other personal consumer reports

This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them.
Product: Debt collection

My husband and I ordered XXXX XXXX XXXX  for our children through XXXX XXXX. Upond further review of the watches and service ordered for the watches, we immediately cancelled the order. We called and notified XXXX we wished to cancel the same day as the watches were ordered. 

XXXX completed the order anyway and shipped them to our residence. Service to the watches was never activated and the watches were returned immediately via XXXX shipping labels provided to us by XXXX. XXXX claims they didn't receive the returned items for over 45 days after we returned them via XXXX. XXXX charged us hundreds of dollars for not returning the watches within the 45 day window. 

After multiple calls with XXXX and hours on the phone with their representatives, they admitted they had received the returned watches well within the 45 day window but the returned package had sat in their warehouse without being returned through their inventory process. Even though it was no fault of our own and due to their employees failing to check in the items to their stock, we were still being charged for the items being " returned '' over the arbitrary 45 day window. On the final phone call with XXXX ( almost XXXX hours on the phone ), the manager I spoke with agreed it wasn't our fault but the charge would have to go to an " Associate Director '' to be pulled from a collection status. We never heard anything after that until the bill recently showed again on my credit report. XXXX is charging me for a good that was never accepted ( the watches ) and a service which was never provided ( phone service to the watches ).
Product: Debt collection

I.C. SYSTEM, INC has added a collection entry to my credit report. This was added XX/XX/2021. The entry has the original creditor being : XXXX XXXX. I have NOT been sent a letter or received a call to dispute this erroneous entry. I DO NOT live in XXXX. 
The account number listed on the credit report Is : XXXX, for the amount of XXXX.
Product: Mortgage

XX/XX/XXXX, insurance claim checks were received by a company reprentative at Rushmore Loan Management Services.

Initially Rushmore claimed checks were not received. 
A week later, the checks were found. I was informed that checks would be endorse and mailed to me the week of XXXX later in the week of XX/XX/XXXX. 

Today XX/XX/XXXX, the checks have to my knowledge now been signed and mailed back so I can pay contractors for their work.
Product: Credit reporting or other personal consumer reports

The account in question was open fraudulently with my information unknowingly to me, they refuse to remove it from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I do not have access to the documents related to these accounts, but the creditors would.
Product: Credit reporting or other personal consumer reports

My credit appears to have been compromised, as I noticed several items on my report that were opened without my permission. Under section 605B of the FCRA, you are legally required to remove items resulting from false credit reporting. The disputed items are unknown to me, and I have attached the necessary FTC Report for your reference. Please remove these items immediately. If there is any chance these items belong to me, I need all documentation bearing my signature. According to my research, you must verify that each item is 100 % true, accurate, correct, complete, and verifiable. If you can not provide these records and still claim the items are verified, I will pursue legal action. I take this matter seriously, and so does my attorney. Comply with the law to resolve this matter swiftly. Remove the disputed items that were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XX/XX/scrub>XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX  XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} XXXX XXXXY ( Original Creditor : XXXX  XXXX XXXX XXXX  ) XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

In XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Planet Home Lending. While with XXXX XXXX  I recieved a loan modification in XXXX which was finalized approved by the XXXX XXXX. Once the transfer took place Planet Home lending did not acknowledge the modification until I called several times and they were and still are reporting my mortgage as severely delinquent. Ive continued to speak with them monthly to make my usual payment yet still receive statements showing Im delinquent. Their XXXX XXXX filed a claim and then withdrew the claim as it was acknowledged that mortgage is no longer included in my active bankruptcy because once again it has been modified. My last communication was today XX/XX/XXXX and XXXX told me she reached out to her XXXX on XX/XX/XXXX and there still has been no update.I understand XXXX XXXX  maybe also did not transfer over my information properly but now that Planet Home has the correct information it still has not been updated.
Product: Credit reporting or other personal consumer reports

In violation of 15 USC 1681c-2, my report includes unauthorized inquiries harming my credit score. Kindly delete these errors. Thank you!
Product: Debt collection

On XX/XX/year>, I sent a cease and desist letter to Jefferson Capital Systems LLC regarding an alleged debt of {$2700.00} under account number XXXX and reference number XXXX. In this letter, I invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692c, to refuse payment of this debt. I demanded the following actions : Deletion of the tradeline from my consumer credit reports to all credit reporting agencies. 
Immediate cessation of all communication with me regarding this alleged debt. 
Provision of a detailed audit trail for the account showing all transactions and notations associated with it. 
Despite my clear and lawful requests, Jefferson Capital Systems LLC has failed to comply. They have neither ceased communication nor removed the tradeline from my credit reports. Additionally, I have not received the requested audit trail. This non-compliance constitutes a violation of the FDCPA and has caused me significant stress and emotional distress.
Product: Debt collection

I have contacted the debt collector to receive 1099-c and any contract that have signed. Stating that I owe them the debt. I have also reached out to the credit bureaus for three months, to fully investigate the closed accounts being reported to my credit. I have not received any update.
Product: Mortgage

Closed on a home on XX/XX/. Loan servicing was transferred to Capital Mortgage Services of Texas. First payment was dueXX/XX/2023. Made the payment XX/XX/2023. XX/XX/2023, I received a letter from XXXX XXXX ( New servicer ) that they had acquired my loan on XX/XX/2023. Law states that Capital Mortgage has 60 days from transfer of servicing to forward my payment to XXXX XXXX. 
On XX/XX/, I made my second mortgage payment ( first to XXXX XXXX ) for my XXXX payment. I have called Capital Mortgage of Texas 4 times now and have been told they are transferring the payment to XXXX XXXX. Each time I was told they would be emailing me proof of transfer. I have not received anything from them regarding this issue. We are now past 60 days and XXXX XXXX has stated they have not received the payment from Capital mortgage of Texas. I can not get an answer from Capital mortgage as to where my money is at. XXXX XXXX is filing a missing money case in regards to this but I can not get any correspondence from capital mortgage about when or if the money was transferred.
Product: Credit card or prepaid card

I need to bring to attention a problem with a credit card at Chase. They offered a interest free promotional period that ended on XX/XX/XXXX. Their tactic was deceptive and I was mis informed about what amount exactly was due. They have 2 amounts due on the statement.

The interest free promotional period ended on XX/XX/XXXX however my billing cycle ended on XX/XX/XXXX. I even CALLED into Chase to verify exactly how much I needed to pay to avoid an interest fee and they said that if I paid off the balance I would be fine.

My balance owed by XX/XX/XXXX was XXXX. I paid XXXX on XX/XX/XXXX. I called Chase and spoke to XXXX XXXX to remove the finance charge because no where on the statements did it say that I had to pay anything other than XXXX. 

There is a tiny tiny amount on my statement at the VERY END and bottom in very tiny print that says I owe a DIFFERENT amount by XX/XX/XXXX. This practice of having 2 amounts that are due at different times in different locations on the statement in small print at the bottom is deceptive. I even called to verify because it was so confusing. This information should have been at the top of the statement in bold print but the reason why it is n't is because it is conflicting and says two different amounts!
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted TD Bank in regards to a credit card dispute for XXXX XXXX XXXX XXXX XXXX purchase in the amount of {$11.00} dated XX/XX/XXXX. I had purchased the car wash but never received the services as the automatic car wash machine was not working. The number on both TD Bank letters ( XXXX ) XXXX are no longer in service and they have not updated them on their letters. On XX/XX/XXXX I received a letter from TD Bank stating the dispute filed was not in my favor and I must resolve the issue with the merchant. TD bank was aware that I had tried all avenues to get in contact with the merchant but the merchant would not return my call. I called TD Bank to appeal and they said they would work on it and I also asked for documentation used to make their decision as stated on their own letter which states I have the right to receive. I called numerous times and they refuse to provide me any documentations.
Product: Debt collection

On XX/XX/XXXX, I visited my XXXX XXXX XXXX 's office for XXXX XXXX and tests. Total billing was {$220.00}. In XXXX, XXXX my insurance XXXX declined the claim as " administrative services are not covered '', thus {$210.00} of the billing was not paid by insurance On XX/XX/XXXX provider transfer the bill in the amount of {$210.00} to Collection Agency " XXXX XXXX XXXX '' On XX/XX/XXXX I paid provider the full amount of {$210.00} with my own credit card On XX/XX/XXXX, When XXXX  XXXX XXXX run my credit report with XXXX, it still shows that I have " a derogatory public record or collection appearing on my consumer credit report '' On XX/XX/XXXX when XXXX XXXX XXXX run credit report via XXXX XXXX,  it shows, again " i have Derogatory public record or collection filed '' I have called XXXX XXXX XXXX many times requested documents about my account payment as well as status, I have not received any from them
Product: Debt collection

Some collection agency reported a {$6600.00} collection balance on my credit report yesterday. Prior to this phantom collection account appearing on my credit report, I have received no communication from this agency whatsoever. No calls, e-mails, letters, or anything. Without notice, they just reported it on my credit report. According to the Fair Debt Collection Practices Act, this collection agency was supposed to supply me with a 30 day notice to dispute the debt, before they put anything on my credit report. I certainly would have contested it, because I do not owe {$6000.00} to anyone. Therefore, since Plaza is in violation of federal collection law, I demand that they remove this unfounded collection account from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I have been dealing with Navient for years and have many issues. Most recently, I submitted my annual renewal for my income based payment plan on XX/XX/XXXX. Since then it has been denied with the reason of needing my ex-husband 's signature due to a loan consolidation back in XXXX. I have explained multiple times on the phone with different customer service providers through Navient as well as through email exchanges. I have explained I have been divorced since XXXX and have rare contact with my ex husband, but Navient continues to demand I obtain a signature from him. They have also continued to charge me late fees on top of a monthly payment of XXXX. If I could afford such a payment I would not need the income based repayment plan.
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. 

Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX and 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

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XXXX My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thanks, XXXX XXXX XXXX in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts on my credit report that have been previously removed but they are showing on my report again. I would like to have these accounts deleted immediately. attached are the accounts in question. all of my personal info is also included
Product: Debt collection

I've disputed the account numberous of times and XXXX and XXXX states account is verified. I've also asked XXXX and XXXX to prove to me how was it verified. Neither bureau was able to disclose to me what methods they took to verify that the account is accurate. 

My consumer rights are being violated. The inaccurate information that is reporting on my accoun is unfair and unequitable pursuant to to 15 USC 1681 ( a ) ( 4 ) I've attached a report from XXXX indicating that this accoun has already been removed from my profile. 

I demand removal of this inaccurate account reporting on my profile. Remove account XXXX from my report.
Product: Checking or savings account

Accounts were opened without authorization- accumulated a host of fees. Navy Federal then closed all existing accounts out and placed on credit as negative.
Product: Credit card

I sent a notice of dispute to SELF on XX/XX/XXXX that I have not received a response to as of XX/XX/XXXX which is past the 30 day threshold and a violation of the FCRA. I disputed the inaccurate reporting of a late payment on my consumer report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. SELF alleged that I failed to make the minimum payment of {$25.00} on my credit card. This information is incorrect and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Please see attachment for further details.
Product: Credit reporting or other personal consumer reports

My account 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 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 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: Credit reporting or other personal consumer reports

Why my score down XXXX points, if no have any changes in my financial situation? 
My score was XXXX and Experian down XXXX points on XX/XX/2024. 
All my records are very clean. 
I call Experian, XXXX and XXXX, and not have answer. 
Thank you