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

LexisNexis refuses to update my consumer report to reflect accurate information my name is XXXX XXXX any other name or variation is incorrect and considered identity theft and my address is XXXX XXXX XXXX XXXX Ga XXXX any other address is incorrect and should be immediately removed because it does not belong to me. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax made an update to my XXXX XXXX XXXX loan and changed the status from open account to closed account without validation directly with the creditor. XXXX XXXX is not reporting the account as closed, it is an open account in good standing
Product: Debt collection

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a XXXX bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Product: Debt collection

I recently discovered a collection on my credit report from Afni, Inc. on XX/XX/2016. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... 

I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC-1681 Section 602, states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states the consumer reporting agency can not furbish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer credit card as late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Payment Status XXXX days late
Product: Mortgage

In XX/XX/XXXX, JPMorgan Chase, N.A. I bought my mortgage loan from XXXX XXXX XXXXXXXX, according to all the information I received from both parties, I was informed that I did not have to do anything about it, it was automatically added to my Chase account. and my wife 's, everything that corresponds to my mortgage credit account appeared, including the escrow account, which has a complete summary of how they will distribute all the payments that correspond each year, such as the payment of property taxes., the payment of mortgage credit insurance and the payment of insurance for property coverage among others, all of XXXX until the beginning of XXXX, JPMorgan Chase Bank , N.A . I sent a letter by postal mail stating that my policy is about to expire and they implied that they do not have any information about it since said insurance has never changed companies, this service continues to be from XXXX XXXX XXXX XXXX XXXX XXXX since The property was acquired on XX/XX/XXXX, my wife and I have kept all payments up to date as appropriate, according to the original mortgage loan contract and we have spent terrible days thinking that our property could be left without coverage since the day Friday, XX/XX/XXXX, we went to the JPMorgan Chase branch located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, where we were very kindly assisted and helped to find out what was happening. At the branch, they called the JPMorgan Chase Mortgage department. They acknowledged having the information and that they had forgotten to make the payment for the renewal of the policy from our escrow account which has always been up to date, this has surprised us since I have been a client of this Bank since XXXX and I never thought that something like this would happen to me were to happen, our biggest concern is that said property is located in the City of XXXX XXXX in the State of Oklahoma. In recent weeks several XXXX events have occurred around. We do not want to have our property unprotected due to the irresponsibility of Those who manage our mortgage credit at this time, we believe that there must be actions and consequences when we place all our financial trust in this Banking Entity, I appreciate all the help that you can give us and guide us so that no one ever has to go through this experience again. so disgusting.
Product: Money transfer, virtual currency, or money service

I've already filed a complaint regarding this manner multiple times to only get the same response every time. This company has a policy of Right to refund that insures a refund if customer request this. I've spoken with the Attorney at CFPB in which she offered to follow up with me and I contacted various agencies to get my money returned to end up always getting the same response from this company about if the transaction was authorized etc. I need a real Resolution as I've contacted law and financial regulations in Illinois etc. and to no avail. It's really disturbing that I'm constantly getting the same response and policy reviews to resolve this as I reported these transactions were a scam for almost 2 years. I'm willing to escalate this through CFPB enforcement to gain most if not all of my money I was scammed out of. Please have the Attorney recontact me to follow up with this as I emailed her also. I've already disputed this multiple times so cash app has record of the transactions and the cash tag names of the scammers. 
The cash tags who committed fraud are XXXX XXXXXXXX and XXXX XXXX and the total amount of the scam was {$3300.00} that was suppose to be for a room rental that never existed. I don't want to get the same response and results as you can see in my previous records as Cash app has a policy to Right to Refund and I need that enforced once a customer like me files a report for scam. Please have the attorney contact me to enforce our original dispute to finally get this resolved as Cash app is proving to not help me resolve this manner. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % XXXX accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Product: Debt collection

There is an account reporting on my credit file that came from a place called XXXX XXXX. The collection company keeps reporting it with a new open date and reaging the account This National Credit Adjutsment place. That is illeagal
Product: Mortgage

My home flooded. I received a check from my insurance company endorsed it sent to Roundpoint Mortgage. I have been sending them information from myself and my contractor for 2 months and still have not received a check to pay my contractor for the work they have already performed. They tell me what info they need. I send the requested documents time passed while they work on it then they need more or different documents. Told that all documents are in order check will go out the next day. Wait a week for the check and then call and no still not approved need some more documents. The will not give me my insurance money. Every time I call it is someone with a different story and I can not talk to anyone who can make a decision.
Product: Debt collection

I am filing a formal complaint against LVNV Funding LLC c/o Resurgent Capital Services L.P. for engaging in unlawful and deceptive collection practices. Despite my efforts to resolve this matter directly with the agency, they have failed to adhere to federal regulations, resulting in ongoing harm to my consumer rights. 

Details of the Issue : [ Lack of Debt Validation : ] LVNV Funding LLC has placed a collection account on my consumer report without providing the required validation information. As outlined in 12 CFR 1006.34 ( b ) ( 5 ), they are obligated to supply this documentation before reporting the debt. Despite my request, they have not provided any validation, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

[ Denial of Dispute Opportunity : ] I was not given the opportunity to dispute the debt before it was reported to the credit bureaus. This is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which mandates that consumers be allowed to dispute accounts before they are reported. LVNV Funding LLC 's actions deprived me of this essential right.

[ Deceptive and Misleading Practices : ] The agencys actions in furnishing an unvalidated account to consumer reporting agencies constitute deceptive and misleading practices. This violates federal regulations, specifically 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ). 

[ Unauthorized Business Operations : ] According to the Nationwide Multistate Licensing System ( NMLS ), LVNV Funding LLC c/o Resurgent Capital Services L.P. is not licensed or authorized to conduct business in the State of Texas. Despite this, they have continued their collection efforts, further demonstrating their disregard for legal requirements. I have attached documentation from the NMLS confirming their lack of authorization.
Product: Mortgage

Ocwen Loan Servicing LLC has refused to process my last payment in the amount of XXXX in a timely manner. Ocwen is improperly charging me additional interest by not processing my payment. Additionally, I have no acknowledgement from Ocwen of having their received this payment. 

On XX/XX/XXXX Ocwen Loan Servicing, LLC sent a a typical monthly Mortgage Account Statement to me showing a principal balance of {$130000.00} for a first mortgage for my property.

On XX/XX/XXXX Ocwen received a personal check from me in this same amount, delivered by USPS Priority Mail with delivery confirmed by tracking number.

On XX/XX/XXXXI noted that : 1 - my check had not yet been returned to my bank 2 when I logged into my Ocwen account online, my account balance in did not reflect this payment.

I then emailed the Ocwen Ombudsman asking why my loan balance was not reduced by the above payment amount.

On XX/XX/XXXX I logged into my online account at Ocwen and noted that my payment still not posted to my account.

On XX/XX/XXXX I received a Verification of Mortgage Account letter from Ocwen that I had requested showing the balance due on the loan was unchanged from the XX/XX/XXXX statement amount.

ON XX/XX/XXXX I issued a stop payment for the check that Ocwen had received on XX/XX/XXXXand then made two payments to Ocwen by XXXX XXXX XXXX totalling XXXX.

On XX/XX/XXXX the aforementioned amount was deducted from my personal checking account.

As of this writing my online Ocwen account still shows the same loan balance as stated on the XX/XX/XXXXstatement.

I feel that Ocwen is delaying processing my payment in order to continue charging higher per diem interest than would otherwise be due if my payment had been processed in a timely manner.
Product: Checking or savings account

I have been charged multiple overdraft fees on my account with Navy Federal credit union since 2022. I have requested fees to be refunded but it was denied. They will hold funds as pending for 2-3 days causing overdraft fees. I see that a settlement had been reached but I was not compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/23 for my TRIUST account ending in XXXX. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/23. Thank you for your consideration, and I hope youll approve my request. 

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

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number XXXX XXXX Creditor/Collection Agency Name : XXXX & XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/25 Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX {$8500.00} # XXXX opened XXXX .This account have resulted in a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

CFPB Complaint against
Credit Reporting Agency TransUnion
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX .Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 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, account have resulted in a account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, an email was received through my wife 's email address that a credit card was approved in my name. I called BOA within an hour to report that I had not applied for a card. They put a stop on it and indicated the account was closed and could not be used. I followed up with their fraud department to open a case. They confirmed there were no charges and the account was not usable. I placed an alert on my credit reports. I have also requested a copy of the application that was submitted in my name for further investigation. Case # XXXX.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ EQUIIFAX ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 
FTC # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.
Product: Debt collection

American Student Assistance has listed the exact same debt with two different account numbers on my credit reports, showing I don't owe XXXX but XXXX! I have contacted them and the credit bureaus and they will not remove it. They also send me threatening letters that they will confiscate my income. They also call my employer and me and work, as well as send the letter to my employer. I'd like the reports updated and the contact to stop. I have asked for it to be corrected, but nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for for over 1 year, and 6+ certified mailings to correct these invalid entries on my consumer credit file from the TRANSUNION credit reporting agency . THEY IGNORED ALL OF MY LETTERS ABOUT LEGAL COMPLIANCE. I sent them multiple Credit File DISPUTE LETTERS to correct the following errors. They ignored my letters and VIOLATED THE LAW.
Product: Credit reporting or other personal consumer reports

Data breach of personal information, third party access without hand/written permission/authorization due to data breach issue, 15 U.S. Code 1666- Privacy Act SEE ATTACHMENT ( s )
Product: Debt collection

XXXX XXXX sent me a letter in the XXXX XXXX mail saying that Pay Pay had transferred debt to XXXX XXXX for collection for {$1000.00}. I do not owe PayPal any money and there are no transactions during this time period with PayPal.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX  Balance : {$2000.00} ; XXXX  XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.