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

Navy Federal Credit Union Address ] XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Reporting as Debt # XXXX Dear Navy Federal Credit Union I am writing to formally dispute the reporting of a charge-off ' associated with the above- referenced debt on my consumer report. Upon reviewing the account history and publicly available records, I believe there to be lack of full disclosure via fraudulent concealment which may have aided in an unjust enrichment. 
This transfer of ownership to the trust and selling of the securities raises several concerns regarding the accuracy and legitimacy of the reported charge-off '. 
Additionally, I have identified multiple data points associated with this debt that are being reported inaccurately across various credit bureaus. These inaccuracies further undermine the legitimacy of the charge-off and contribute to finance hinderance in my life Specifically, I am disputing the following : 1. Accuracy of Charge-Off Reporting : If my promissory note was securitized this means off - balance - sheet book keeping occurred which may have derecognized Navy Federal Credit Union liabilities , removed them from their books and transferred them to Navy Federal Credit Union who then sold them for profit. So, writing it off as a bad debt/lost and reporting it as a charge off is false reporting, fraud, and embezzlement.Validation of Debt : I request detailed, debt-level documentation proving Navy Federal Credit Union retained the authority to report the charge-off after securitization. This should include a solid chain of authority demonstrating the assignment or reassignment of the debt back to Navy Federal Credit Union evidence of the debts transfer, the balance at the time of transfer, and any agreements validating Navy Federal Credit Union continued reporting authority for this debt. 
Potential Double Recovery/Unjust enrichment : If the debt was securitized and sold, Navy Federal Credit Union may have already been compensated for this debt through the securitization process. In such a case, reporting the debt as a charge-off is false and mislead. I request that you investigate this matter thoroughly and provide a written response within 14 Days from receipt of this notice. If you can not validate the legitimacy of this charge-off reporting, I demand that you remove this entry from my credit reports with all major credit reporting agencies ( XXXX, XXXX, and XXXX. Failure to address this dispute accurately and promptly will result in additional action in pursuing remedy. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this care off as a trade in. the dealer sent them a check they asked for but then wanted another XXXX dollars after being sent XXXX for pay off. the dealer took an extra 3 weeks to get it sorted out with the bank. in that time the bank reported to my credit that i was late even though i no longer had the car and had paper work showing i paid it off as a trade in
Product: Credit reporting or other personal consumer reports

I worked hard to increase my credit score so that I could open up XXXX loan and credit card account that I needed for XXXX XXXX. Credit Karma sent me several emails stating that I could increase my credit score even more by opening up credit cards that they deemed were in the category of outstanding. However, when I applied for XXXX XXXX, I was immediately denied due to too many credit lines being opened. I see that Credit Karma has been sued for this in a class action lawsuit not so long ago and here they are still doing it and they continue to send me offers almost daily stating that I have outstanding Chance of opening up these credit cards
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the gross negligence exhibited by Equifax in safeguarding my personal information, which was compromised during their widely publicized data breach. This breach, which exposed the sensitive information of over XXXX XXXX Americans, including mine, is a direct result of Equifax 's failure to implement adequate security measures. 

As a consumer, I entrusted Equifax with highly sensitive personal information, including my Social Security number, financial details, and other identifying data. Their failure to protect this information has caused me significant distress and has exposed me to a heightened risk of identity theft and financial fraud. 

To date, I have not received adequate assurance from Equifax that they have taken meaningful steps to rectify the harm caused by their negligence. Furthermore, their response to this breach has been lackluster, with insufficient compensation or support offered to affected individuals like myself. 

I demand the CFPB take the following actions immediately : Conduct a thorough investigation into Equifax 's security practices leading up to the breach and ensure accountability for their failures.

Impose strict penalties and sanctions on Equifax for their negligence and the resulting harm caused to consumers.

Mandate Equifax to provide long-term credit monitoring and identity theft protection services to all affected individuals, at no cost.

Require Equifax to implement enhanced security protocols and undergo regular audits to prevent future breaches.

The CFPB has a responsibility to protect consumers from corporate negligence and ensure companies like Equifax are held accountable for their actions. I expect prompt action from your agency to address this matter and protect the interests of affected individuals. 

I am prepared to escalate this issue further if necessary, including seeking legal remedies and involving my elected representatives. 

I look forward to your timely response and a detailed outline of the actions the CFPB will take to address this issue.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported to be removed/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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing us as having late payments for XXXX. My bank statements show otherwise. You will see payments of XXXX processed for those months as part of the trial period repayment plan ( attached ).
Product: Payday loan, title loan, or personal loan

I had no idea that I was going to be paying such a high amount every month, but this company has been calling my job and my cell phone just being very annoying. Please just make them stop.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX  under the account number XXXX. 

These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries.. The aforementioned accounts collections and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

The account is the result of identity theft and fraud. I have attached a copy of FTC Identity Complaint # XXXX Please block account listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need XXXX, Equifax and XXXX to remove late payments on account XXXX XXXX, XXXX department store, XXXX missed payment due to XXXX pandemic and weather desaster declared by governor in Michigan. The Berau companies asked to speak to the company but the company arent removing it or answering me back and they harming me because I want to apply for a mortgage and they not doing it. I need help thank you.
Product: Debt collection

I do not consent to being contacted through anything but certified mail. If I receive any response other than certified mail rebutting all of the points made thus far, GOLDMAN SACHS BANK is knowingly and intentionally violating me under federal law. Every violation will result in a fine. I sent a CEASE AND DESIST Notice on XX/XX/23 and I am still being contacted. 

According to USC 1692 ( C ) ( a ) : Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I never gave intended permission to GOLDMAN SACHS BANK or ANY third-party affiliate to contact me.

USC 1692 ( C ) 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 


A debt collector who fails to comply with any provision of the FDCPA is liable for : Any actual damages sustained as a result of that failure ; Punitive damages as allowed by the court : in an individual action, up to {$1000.00} ; or in a class action, up to {$1000.00} for each named plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or 1 percent of the debt collectors net worth, whichever is less ; Costs and a reasonable attorneys fee in any such action. 

GOLDMAN SACHS BANK has still not provided me with ALL of the information listed below. 
The identity of the original creditor. 
The amount of the alleged debt. 
The name and address of the original creditor, if different from the current creditor. 
The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural person ), and GOLDMAN SACHS BANK, proving I agreed to pay the alleged amount knowingly and intentionally in wet ink. 
A GAAP accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. 
Proof of compliance with the truth in lending laws of the United States XXXX, title XXXX XXXX XXXX et. seq. and XXXX XXXX. 

It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act, and it is your obligation to supply me with the aforementioned materials.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint due to the ongoing and unlawful reporting practices by LVNV Funding, Resurgent Capital Services, and XXXX. Despite multiple disputes, including certified letters and an FTC Identity Theft Report, both Resurgent/LVNV and XXXX continue to violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Violations : Failure to Provide Proper Validation ( LVNV Funding and Resurgent Capital Services ) : I have repeatedly requested proper validation for the accounts in question, including the original contracts with wet signatures or digital proof of contract ( IP addresses and metadata ) if electronically signed. Instead, Resurgent Capital Services and LVNV Funding have provided irrelevant documents like bill statements and terms and conditions, which do not satisfy the requirements of proper validation under FCRA 15 U.S.C. 1681i and FDCPA 15 U.S.C. 1692g ( b ). 
They have also failed to show legitimate proof of my authorization for these accounts, making their continued reporting illegal. 
Continuous Reporting and Re-Aging ( LVNV Funding, Resurgent, and XXXX ) : LVNV Funding and Resurgent continue to report these accounts as " XXXX '' ( CO ) on a monthly basis, despite being charged off years ago. This constitutes re-aging, a violation of FCRA 15 U.S.C. 1681c ( a ) ( 4 ). 
XXXX, despite being notified of the disputes, has failed to stop reporting this inaccurate information and continues to reflect the false reporting by XXXX and XXXX. This is in violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to cease reporting inaccurate information upon notification of a dispute. 
Failure to Cease Reporting After Dispute ( XXXX and LVNV/Resurgent ) : Despite my multiple disputes, XXXX has continued to report these accounts without conducting a reasonable investigation as mandated by 15 U.S.C. 1681i. Simply " verifying '' with the creditor without obtaining proper evidence does not meet the legal standard. 
LVNV Funding and Resurgent have also failed to comply with 15 U.S.C. 1681s-2 ( b ) by continuing to report these accounts without proper validation, despite being informed of the dispute. 
Harm and Consequences : These unlawful practices have caused severe harm to my credit score, preventing me from securing necessary housing and loans. The continued re-aging and false reporting have also caused significant emotional distress and financial harm, as I am unable to move forward with important life decisions for myself and my family. 


Thank you for your attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the XXXX XXXX XXXX for sometime now, over accounts that are being reported as inaccurate on my credit profile. The said accounts have not be properly verified nor has any documentation have been presented to me. This has been going on for sometime now and its becoming mentally stressful. Numerous dispute letters have been sent Via XXXX certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXXs rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 inquiries showing on my report which should not be
Product: Checking or savings account

I am absolutely sure that the regulatory agent XXXX XXXX letter to the CFPB dated XX/XX/XXXX are 100 percent lies and mislead the CFPB to close 8 complaints and she must be held responsible and thereafter countless employees at Bank of America confirmed my claims as XXXX, XXXX, XXXX and an known XXXX fake claim an known fraud scheme by all involved employees. The claim was entered into the system and I were informed it was approved as XXXX then an supervisor XXXX told me one early friday morning around XXXX that someone came along and handwritten an XXXX dollar claim onto of your XXXX claim and there aint even an XXXX transaction on your account. 

Then here comes XXXX a loose cannon while I am in an totally different conversation I WILL STRAIGHTEN THIS OUT, I WILL FIX THIS BECAUSE THIS HAS THE XXXX TRANSACTION ON IT AND XXXX IN THE ACCOUNT IS YOUR MONEY. I WILL PUT ALL YOUR IDENTIFIERS HERE ON XXXX. ALSO MENTIONED WAS XXXX AND XXXX AND MY ACCOUNT IS XXXX. 

Then on XX/XX/XXXX XXXX I spoke to XXXX and he said your money were put into an XXXX XXXX XXXX of XXXX account instead of XXXXXXXX XXXX XXXX  XXXX there after 4 women told me that they had frozen the account and that they were trying to get the money back into my account 1. XXXX 2. XXXX i remember.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. This account has since been closed but it is still affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion whom mission statement is to ensure accuracy and fair credit reporting while protecting the consumer private financial information from being used improperly and securitized by complying with laws and acts in place of reporting fairness and accuracy, has failed to take all necessary steps to complete a full a complete investigation from debtors. Transunion has reported information in whom was reinserted into file without proper disclosure of information and sharing practices. Transunion has also failed to provide parties of contact during the investigation process. This company is prohibited from using the information against the consumer 15 USC 6802 Obligations with respect to disclosure of personal information. This company has also failed to provide opt out of reporting information15 USC 6802b.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   XXXX   is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating the  credit score c ausing the score to be lower by  XXXX  basis points. I have contacted  XXXX  regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year.  XXXX  corrected my credit reporting for all   XXXX    credit bureaus and  XXXX  for my husband. When I contacted  XXXX  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's  XXXX  report back to the incorrect reporting and then started reporting his account under my son 's credit reporting ( son is a  XXXX   ).  When I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers   XXXX   XXXX   XXXX    XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score  to be lower by  XXXX  basis points. We know this because when  XXXX  was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have been trying to get  XXXX  to fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and Experian can lowe r my credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status.  XXXX  lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.