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

I was divorced in XXXX. My husband was awarded the primary residence and was supposed to refinance the joint debt. He failed to do so and also failed to keep the loan current. XXXX XXXX filed a foreclosure action in XXXX of XXXX. I offered a deed-in-lieu of foreclosure to XXXX XXXX at that time as I have a power of attorney to convey the property. They reused to accept the offer. The co-borrower did not respond to the foreclosure request, so it was not contested, and should have resulted in a summary judgment in XXXX. 

Instead, XXXX XXXX requested stays on seven occasions, while continuing to report the delinquency to credit. The reason was stated as on-going loss mitigation and a possible forbearance agreement. A forbearance request has to be made by both borrowers, and I have never requested the forbearance that continued to delay the process. The co-borrower also never completed the requirements for such a request making the stays wholly unnecessary. In the past five years the co-borrower has only made XXXX payments so the loan history indicates no serious attempts on his part to resolve the delinquency. Instead hes been enjoying a mortgage free home for over 5 years. 

The case has now been resolved, as I entered into a stipulated judgment in return from release of deficiency liability in XXXX of XXXX. A Joint Motion for Entry of Stipulated Judgment and Decree of Foreclosure, Waiver of Deficiency, and Shortened Redemption Period was filed with the court on XX/XX/XXXX. As the court accepted this stipulation and XXXX XXXX agreed to waive any deficiency, late payments should no longer be reported to credit for me. XXXX XXXX then failed to sell the home in XXXX when the judgment became final, and finally sold the loan in XXXX of XXXX. The new servicer has also failed to sell the home, and has requested continued stays to the process. 

I requested XXXX XXXX to remove all credit bureau reporting on this loan from XX/XX/XXXX ( when the stipulated agreement became effective ) through present and they refused to do so. Instead they kept asking me to sign a quit claim deed to the property, so that I give up my rights to be informed on their actions in servicing their loan. This is a loophole in XXXX guidelines that should be closed. No one should be asked to give up their ownership rights without also being released from the debt.
Product: Credit reporting or other personal consumer reports

I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. 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. 

I Sent a letter asking them to reinvestigate these accounts listed below because XXXX shows incorrect date of the account being open shows on Transunion the date of being opened as XX/XX/XXXX XXXX shows open date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX High credit balance is also incorrect Transunion shows XXXX XXXX shows XXXX XXXX shows XXXX last date reported is incorrect as well showing last reported XX/XX/XXXX XXXX shows a date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX Date last active Transunion XXXX XXXX shows date of XX/XX/XXXX XXXX shows dare of XX/XX/XXXX XXXX of last payment is incorrect as well Transunion XX/XX/XXXX XXXX shows a date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX I Sent a letter on XX/XX/XXXX asking for the, to reinvestigate this account XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of XXXX XXXX XXXX They also violated XXXX XXXX XXXX ( XXXX ) Can you look into this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.SC 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX 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: Checking or savings account

On XXXX XXXX, XXXX I attempted to purchase a round-trip set of airline tickets thru XXXX. I received emails shortly thereafter stating that my transactions had n't gone thru. 

However, the charges for the tickets were already pending on my card at this time. 

Given that I did not want the cost of tickets to hike up, I proceeded to purchase my tickets through an alternate service at that point. I emailed the customer service email address supplied by XXXX to request that that the charges not be attempted again, though they did not respond. I also called their customer service phone number and their agent tried to reassure me that the purchase of my flights actually had gone thru, despite the emails I received. 

The amounts of the charges were {$23.00}, {$170.00}, and {$170.00}. 

I made it clear to XXXX 's customer support via telephone *and* email that given the confusing emails I 'd received, I 'd already made alternate arrangements. 

XXXX falsified documentation in the fraud claim I made to my bank and my bank has apparently sided with them in this case. They made this decision without consulting me, nor asking me for any documentation or proof of my claim. This would be the first time in my history with this bank that a fraud claim was *not* decided in my favor. So it is quite clear that I do n't make a habit of purchasing items and then charging them back. I am in the XXXX XXXX myself, not to mention that that, in itself, *IS* fraud. 

I have already notified my bank that if this case was not decided in my favor, that I would end my relationship with them. Of course this is a major inconvenience considering the age of my account and how I, historically, have ranted and raved about how awesome their customer service was. This changes everything I think about the bank. I will proceed to take my business checking and savings needs elsewhere if this is not resolved via CFPB. 

I will also take legal action to recover the funds I am missing as a result of Bank of America 's lack of due diligence when it came to investigating this blatant fraud perpetuated by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent XXXX XXXX XXXX a certified letter asking the to validate an alleged debt. In this letter I asked them to provide me with the original purchase agreement along with the terms and conditions of that agreement. I also asked XXXX XXXX XXXX to provide proof that the are legally able to collect debt in the state of Alabama. They did not respond in 30 days and when they did respond the were only able to provide a copy of a bill. On the bill, no where did it state that they were the owners of the debt. I have never had a contract with XXXX XXXX XXXX. It is also a violation to send debt collection letters with the debt collectors logo.
Product: Checking or savings account

My saving account was closed and its assets sent to a State unclaimed property remittance. 
On or about XX/XX/XXXX I received from Chase Bank a monthly summery for XX/XX/2020 of my savings account which stated that my saving account with {$22.00} was closed and sent to Unclaimed Property State Remittance. 
My compliant is the Bank never notified me that my account was in jeopardy and when I complained, I was told that I would have to reclaim my money directly from the state remittance fund. I spoke to several Chase Bankers and none could tell me the State where these funds were distributed. 
I finally submitted a formal complaint about the Notification procedures. 
As of this day I have not received a reasonable answer to this complaint.
Product: Debt collection

In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to Sherman Originator on XX/XX/XXXX. Yet LVNV lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that LVNV has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies XXXX XXXX and LVNV deliberately withheld information regarding the amount that the account was sold to Sherman Originator LLC for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that LVNV is claiming to be owed. The fact that LVNV is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX XXXX Account. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card today XX/XX/20 and I was not approved due to a few accounts and inquiries reflecting badly on my credit report. I wasn't aware that these accounts were on my credit because none of them pertain to me. I did not open any of those accounts nor do I have any sort of written/verbal contract or agreement with any of those companies. I don't know who opened these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB in hopes of getting this resolved. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

CCS Collections has received disputes 2 disputes for the account entry reflected on of my bureau reports. In my previous correspondence to them, I have requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt. My requests specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, I have disputed with the credit bureaus and they submitted documentation that states CCS verified the debt ; however, CCS has yet to respond to both of my requests made to them sent certified mail. My certified receipts validated that both letters were received by CCS in XXXX and XX/XX/2019. This erroneous, inaccurate, unverifiable entry on my reports is violating my consumer rights and has caused me denials for credit. Please see attached documents that reflect my numerous attempts to communicate with this company.as well my credit reports that reflect this erroneous, inaccurate entry. The mere fact that CCS has never sent any correspondence to me notifying me that I owe an alleged debt. This is a direct violation of my rights. Blatantly inserting an entry on my reports not notifying me violates my rights as a consumer to dispute the validity of their alleged claim. DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring to your immediate attention a significant inaccuracy that I have identified in my credit report, as provided by your agency. The discrepancy pertains to the reporting of outdated information related to the following closed credit card accounts : Account 1 : Creditor Name : XXXX XXXX XXXX Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$2800.00} Last Reported : XXXX XXXX, XXXX Account 2 : Creditor Name : XXXX XXXX Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$22000.00} Last Reported : XX/XX/XXXX The reporting of these closed accounts with outdated information is not only misleading but also damaging to my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date reporting of my credit history. I kindly request an immediate and thorough investigation into the following discrepancies : Outdated Last Reported Date : The last reported date for both accounts is outdated and does not accurately reflect the current status of these accounts. The information has not been updated since XXXX XXXX, XXXX, and XX/XX/XXXX, respectively. 
I request that you investigate these discrepancies promptly, verify the accuracy of the information with the relevant creditors and furnishers, and correct any inaccuracies found during your investigation. Additionally, I request that you provide me with a copy of the corrected credit report once the investigation is complete. 

I have enclosed copies of the relevant portions of my credit report, highlighting the discrepancies for your reference. Please consider the supporting documentation attached. 

I am confident that your immediate attention to this matter will lead to the necessary corrections, ensuring that my credit report accurately reflects my current financial history. I anticipate receiving a written response outlining the results of your investigation and the actions taken to rectify these inaccuracies. 

Thank you for your prompt attention to this urgent matter.
Product: Credit card

I have a hard inquiry in my credit report from CBNA  on XX/XX/XXXX. I did not initiate this. This is not mine. My mail was stolen in XX/XX/XXXX which contained my drivers license and I suspect that it was used to get a credit card or some service. I have never heard of CBNA not done any business with them. I have only XXXX contact number XXXX. All the others are fraud. My email has always been - XXXX. My mailing and physical address have been XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All the other addresses are false.
Product: Debt collection

This company has lied stating that they never received the payment, and they did in 2021 from my insurance XXXX. They illegally placed a collection on my account when this has been paid IN FULL of XXXX. They have not sent me invoice to my current address, and I have been waiting for the invoice for about 1 year. I finally got in touch with XXXX, and they had to pull the record since it was old from their archives. Again, I was XXXX XXXX at the moment I went to this clinic and XXXX  pays my medical bills in full.
Product: Credit reporting or other personal consumer reports

I am reaching out this way, because Chime has committed bank negligence when it comes to my account and it's supposed to be a mobile banking app, but there is inadequate customer support and trouble shooting for the technical support, my app hasn't worked for the in-chat support in over 2 months and I let them know about it and no on has helped fix it, so I'd be able to directly handle my banking issues with them. 
There has been a plethora of issues over the last 2 years. 
Chime has false advertisement for their credit builder account which I had from XXXX. The account is not supposed to be able to overdraft, it is a secured debit card that reports to the credit bureaus, but there was no borrowed line of credit. At some point the credit builder account had a negative balance and the account was closed due to inactivity. 
I made a deposit to repay the balance in the amount of XXXX on XX/XX/2022, which then adjusted the statement to reflect a balance of XXXX owed. 
This credit builder is on my credit report and shows as I owe, account closed, and a write off, all as derogatory marks. 
I contacted chime to let them know and they said they will fix it, they still to this day have not changed the remarks, or update it to show that the account is closed and paid in full. 
Chime STILL has a credit builder account in my name, which there should be no account in my name, I haven't authorized a new account after the original one was closed and I paid them back. This other credit builder account appears on the app, I have contacted them regarding this numerous times to no avail, they will not explain it nor remove it off my account. Essentially chime needs to delete that account off my name at this point, for false reporting over the last 2 years, which has hindered my financial success and endeavors. I am a single, XXXX mother, with low-income, this is definitely targeted attack against me, in attempts to systematically keep people like me stifled. There are several violations chime has committed in regards to the fair credit act, accurate reporting, fair and equal lending institution. 
I want my credit report to reflect the proper information, this has been such a major inconvenience on my life, it affecting XXXX XXXX at this point. 
I need chime to properly resolve this matter once and for all.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to une lair credit reporung act nenever 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. These accounts. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

I sent a letter asking them to make sure everything was complete and accurate and here is my tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me an investigation back and said everything is completed and in accurate, check my attachment, everything is not completed and accurate.

according to nd according to 15 USC 1681 5 they are suppose to do 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 ( 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 ipromptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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.