23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have attempted to contact their legal representative to discuss their violations of federal laws and failure to validate the claimed 2 negative items and debt claims. They have continuously failed to respond to written demands for validation of the debts claimed, and further made comments that they will ruin my credit. They have also violated the Telecommunications protection act They have constantly and continuously failed to respond and correct their error, and have a history of only reporting derogatory information, and not the latter. They have been contacted 14 times without resolution, after they promised to correct and remove the 2 accounts, as per a message left on my voicemail by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

Date of last reported is still XX/XX/2018, how can you explain that you verify this account with an old date not even being updated? This is rediculous! have this deleted immediately, otherwise I will file a complaint against your agency!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not correct my prior student loans off my account, some were fraud some a double posting. All over 7 years ago, some still on after 15 years ago. I used muilti lawyers firms and XXXX XXXX to settle my account. None are even to be posted to my account. 

XXXX  noted in my dispute file that I have already disputed the account and they don't have to do anything else about it.. 

Federal and state illilgal. I should be able to dispute any files till it's corrected.
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 :XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XXXX Account Number:XX/XX/XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XXXX Account Number:XX/XX/XXXXAccount Name : XX/XX/XXXX Account Number:XX/XX/XXXXAccount Name : XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : DP OF EDUC Account Number:XX/XX/XXXXhas 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

I obtained my credit report and realized that and transunion and XXXX Is reporting bankruptcies on my credit that i did not authorize
Product: Credit reporting or other personal consumer reports

I DO NOT APPLY FOR THIS INQUIRY XXXX XXXX XXXX XXXX  AND THESE ACCOUNTS, I DON'T KNOW WHERE THEY CAME FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/22 I applied for a capital one quiksilver credit card. There was a deal for if you spent {$500.00} in 3 months you get {$250.00} back. I applied. They did a bait and switch and offered me a {$5000.00} card that was exactly the same but without the cash back deal. Here 's a list of why I was denied, they also replied with I have a XXXX credit score which is untrue based on XXXXXXXX XXXX and XXXX website for credit check I'm around XXXX. Why offer me the same card, run a hard check and not give me the cash back deal and supply these reasons. I turned down the {$5000.00} card. 

: Based on your credit report from one or more of the agencies on the back of this letter, number of bank cards tradelines opened in the last 24 months Based on your credit report from one or more of the agencies on the back of this letter, there are too many active credit cards based on your loan history Based on your credit report from one or more of the agencies on the back of this letter, there are too many new revolving accounts Based on your credit report from one or more of the agencies on the back of this letter, there are too many revolving account
Product: Debt collection

Had a XXXX XXXX card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from Portfolio debt collectors, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not reported my previous history of loans and has failed to update the credit beauros with the updated status of each of my previous loans. I have submitted a dispute to XXXX and XXXX in effort to have my credit report updated with my full history of loans with XXXX. Unfortunately, this process has been slow, and they have not reported the loans. This is a violation of my rights, and I am requesting assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened an investigation several times with this company in regards to them reporting my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECTLY. 

This account is '' Paid As Agreed/Never Late '' They have refused to update the " Current Payment Status '' which is incorrectly reports as 30-59 Days late. 

I have opened 4 disputes with them since XXXX and they still have not correctly reported my account. 

I have a letter from my creditor backing up my claim that states that they have requested that all 3 Credit bureaus update any delinquencies reported between XX/XX/XXXX an XX/XX/XXXX. 

This account was closed in XX/XX/XXXX, just fyi so it should not be reporting anything past that date. 


Their reporting is completely inaccurate.

1. It shows that I have made 100 % of my payments on time, which is correct but... 

A ) They are showing that I am 30-59 days past due and... 

B ) They are showing that my " Worst Payment Status is " Current '' This is just ridiculous and they simply refuse to update my credit report even with a letter from my creditor. 

Please see attached proof.
Product: Mortgage

Freedom Mortgage currently services my mortgage. I completed their process to have PMI removed from my account. I received a letter dated XX/XX/XXXX stating the PMI on my loan has been terminated. I called to clarify my XXXX payment amount, and the representative did not know about the cancellation and referred my account to another department. I verified on Freedom Mortgage 's website the funds in my escrow were sufficient to make a PMI payment before subtracting that amount from my XXXX payment. I was later called and told I was past due by the amount of the PMI. The representative confirmed that the PMI had been canceled and there were sufficient escrow funds to make payment. At this time, I had already remitted my XXXX payment, again subtracting the PMI. After the representative advised I was past due, I logged onto the Freedom Mortage website and made a payment equivalent to two months of PMI. I received a letter dated XX/XX/XXXX advising I did not make my full monthly payment. The letter stated, " To apply the payment to your account, we have reduced the escrow portion of your payment by the difference between the full payment and the payment received. '' Today, my credit score went down XXXX points because Freedom Mortgage reported me as past due. Given that I have made both monthly payments and they sent a letter advising my payment was applied, I dispute this as proper credit reporting.
Product: Debt collection

My XXXX debit card was compromised in early XX/XX/XXXX I didn't notice since whoever was using it was making small incremental charges. I notified XXXX XXXX since that is where those charges originated and they confirmed someone by the name of XXXX was using my debit card through their account. That said around that same time a JEFFERSON CAPITAL SYST for the amount of {$240.00} on behalf of XXXX XXXX showed up on my credit report as delinquent. I have had the same XXXX XXXX account and phone number since XXXX and I am up to date on all of those charges. I don't know if the two are related but it is interesting timing. 

That said I wish to dispute this claim as it is the only negative blemish on my credit score.
Product: Credit card

Hi, I made an online purchase of XXXX USD from XXXX XXXX XXXX on XX/XX/2024. I received the package from merchant on XX/XX/2024. I requested return on merchant 's website by following their return instructions and got the prepaid return label from merchant. I dropped off the return package to the carrier XXXX on XX/XX/2024. However, XXXX lost the package. I contacted merchants regarding this and they opened a claim with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didn't hear back from merchant and called them on XX/XX/2024 regarding the return status. However, merchants told me that their investigation team was asking me to provide dropoff receipt and electronic return label they provided. The truth is that I never received these emails. But still I sent these documents to merchants on XX/XX/2024. 

Then I didn't hear back from merchant again until I called them again... And they said they didn't get any response from me. I am exhausted by this whole process and decided to open dispute with Chase. Chase firstly gave me temporary credit back. 

- Then on XX/XX/2024, Chase sent me notice letter indicating that merchant insisted that they never received drop-off receipt from me. And Chase need me to provide these information and I also need complete, sign, and date the enclosed dispute form ( XXXX ) by XX/XX/2024. 
- On XX/XX/2024, I uploaded drop-off receipt from XXXX email evidence indicating I actually responded to merchant on XX/XX/2024 etc. I was planning to complete dispute form indicating I need to continue this dispute on XX/XX/2024. 
- On XX/XX/2024, Chase notified me that they thought dispute was not valid without providing any additional information/reasons compared with last notice letter trying to gather evidence from me. They simply mentioned that I couldn't provide return record. They immediately removed the temporary credit ( s ) issued to my account. 

In the enclosed letter provided by Chase, they are simply forwarding merchant 's emails asking for me to provide drop-off receipt. Although I uploaded all these information merchant was asking for, Chase didn't even use these to talk back to merchant. Since I contacted merchant today on XX/XX/2024 and merchant told me that my back didn't provide back new information. I feel so frustrated since Chase told me that I have time until XX/XX/2024 to upload but they closed my claim without communication back with merchant on XX/XX/2024. And they also contacted me on XX/XX/2024 trying to gather more information regarding this claim. Their behavior has been so inconsistent. 

Now, I am in the position that I have been following all return instructions and done what I can do. Merchant told me to contact my bank to resolve this since they will be communicating with my back. My bank closed it and told me to talk with merchant...
Product: Checking or savings account

I put in a dispute with XXXX because a excursion took our money and never came and pick us up for the excursion they never answer their phone XXXX had me on the line and could not reach the excursion people by phone either stated i should receive a refund within 72 hours never got it called back 72 hours later they stated it would take another 72 hours never received refund called back stated it will take to the end of the month never got a refund and they will not refund me my money back from XXXX but they couldnt reach them either but we still was not able to get my money back so then I went to chime my bank account and I tried to do a dispute with them they told me that the dispute they stated that the dispute will take 10 days and I waited 10 days I asked for an update never received an update and so when I finally called back a month later they told me it was gon na take 90 days and I still havent heard anything back from them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or 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 card or prepaid card

In XX/XX/XXXX I received a letter from XXXX XXXX  credit card company demanding that I send them XXXX XXXX financial information by XX/XX/XXXX. No specific reason was given other than provisions in the Patriot Act. It is my understanding that this portion of the Patriot Act expired in XX/XX/XXXX. I am also a XXXX XXXX XXXX and don't have the corporate documents demanded. Seeking clarification I called the phone number provided. I called that phone number 24 times across the next month and was consistently placed on hold for between 30 and 60 minutes and unable to speak with anyone. Without additional information I am not able to comply with the demand. Today, on XX/XX/XXXX XXXX XXXX  credit card was declined to a XXXX vendor. Credit card customer service indicated that my account was being held hostage for non-compliance and her only solution was to give me the same phone number I had unsuccessfully called, adding that " this is a very busy number ''. As I write this I have been on hold to the aforementioned phone number for 45 minutes. I am outraged that the credit card company wields this much power and uses it during the pandemic when running a XXXX XXXX is precarious. Please help soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently Checked my credit report and found an inaccuracy that credit bureau refuses to properly investigate.I have account statements that show account was never late and on time the following accounts below need to be updated correctly and accurately to never late with all late remarks removed : XXXX XXXX Following dates need to be updated to on-time Dates XX/XX/2023 XX/XX/2023
Product: Mortgage

XXXX sent letter to borrower saying he was approved for a modification but did not provide any documents stating when he was to resume payment or what the payments will be. XXXX sent borrower a NOTICE OF DEFAULT AND INTENTION TO FORECLOSURE.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Debt Resale and Re-Aging of Account Dear CFPB I am writing to formally lodge a complaint against XXXX XXXX and Columbia Debt Recovery regarding the resale of my debt and the improper re-aging of my account The original account was sold to Columbia Debt Recovery , and I noticed that they have changed the date of delinquency to the date the debt was sold, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 5 ). This section states that a debt can not be reported as new if it has simply been sold. The original date of delinquency must remain unchanged. Additionally, I requested verification of the debt from Columbia Debt Recovery on XX/XX/year>. However, they only provided me with a copy of the lease I signed with the original creditor. This does not constitute proper verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which states that a debt collector must provide specific information about the debt to the consumer upon request. The actions taken by Columbia Debt Recovery have created significant hardship and distress in my life. The improper reporting of this account has negatively impacted my credit score, making it increasingly difficult for me to obtain stable housing. I have faced numerous challenges in securing rental agreements due to the misleading information on my credit report, which has caused me emotional distress and financial instability. I believe that the actions taken by Columbia Debt Recovery are not only misleading but also illegal under these consumer protection laws. I kindly request that the CFPB investigate this matter and take appropriate action against the involved parties. Thank you for your attention to this important issue. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$110.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$810.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} INQUIRY REMOVAL BELOW Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA XXXX 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX on XXXX XXXX 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX ( Bank ) XX/XX/XXXX Late payments ACCOUNTS : Need removed BELOW. 

18 usca I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 XXXX XXXX with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX with account number XXXX Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 

XXXX XXXX
Product: Debt collection

ONEMAIN FINANCIAL included this debt in the bankruptcy of another consumer and my responsibility for this debt was terminated, yet ONEMAIN FINANCIAL is reporting the debt on my credit report. Per court documents filed by their Banckruptcy Specialist, the debt belongs to one consumer named on the filing.
Product: Mortgage

I have been on XXXX for two years and had fallen behind two months. I applied for a modification because I was told that XXXX was an allowable reason for assistance. My wife is the sole wage earner and after reviewing our case they denied us for a loan modification. The denial letter stated that the reason was due to NPV ( net present value ). The denial letter was supposed to state the figures used to arrive at this decision. Unfortunately the denial letter provided some figures on income, value ... .it just arrived but I believe that the figures used were incorrect. According to my housing counselor our ratios for Income vs the housing expense ( PITI ) which is what HAMP looks at is at XXXX % and our rate is at 6.5 %, so based on this data if they were to lower the rate to 2-3 % then our PITI ( housing expense ) would be around XXXX-XXXX % meaning it would be an affordable payment. The investor is XXXX XXXX and we meet all of the criteria but the NPV denial makes it seem like we have no options. We 'd like to be re-reviewed and be given the data and figures used to arrive at a NPV negative.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX