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

I called XXXX and JPMCB on XX/XX/year> and advised my payment status had not been updated for XXXX with XXXX or XXXX. They advised there is no action to take and that I must wait an unknown length of time to see if it updates. They advised they do not have control over how, when or what things are reported. 

My account is currently up to date, but it inaccurately shows Im 60-89 days late.
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$72.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please update the balances on these accounts as they have all been paid in full. 

XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not doing a full investigation to verify debt on my credit report information is inaccurate
Product: Student loan

My complaint is with Sloan Servicing. I have student loans. I have never signed anything but they have my mailing address. I have also received a general forbearance from the US Department of Education in XX/XX/XXXX. Sloan is still sending me notices and I know that this government forbearance is in the system. That's predatory. 

In addition, to that I graduated from XXXX XXXX XXXX in XX/XX/XXXX so I was already in deferment status. I do not owe Sloan Servicing any payments. Yet, I feel that they're reporting me to all three credit bureaus as delinquent ; which, I am not. This is why I am filing this CFPB complaint because no way should a company I have never done business with be able to hurt me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion ) via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX, INQUIRY DATE XX/XX/2021
Product: Debt collection

The debt is 11 years old. Its my understanding that they should stop at 7years. They keep sending notices.
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XX/XX/XXXX DC XXXX Subject : Debt Validation Complaint Against Midland Credit Regarding Assignment Contract ( XX/XX/XXXX ) Dear Sir/Madam, I am writing to formally request an investigation into Midland Credit 's handling of a debt they claim I owe, allegedly assigned to them. Given the legal precedent set by XXXX vs. XXXX, I believe Midland Credit has failed to establish a valid right to collect this debt, and I request immediate verification under the Fair Debt Collection Practices Act ( FDCPA ). 

Complaint Details : Midland Credit has not provided legally sufficient documentation validating the debt. 
They have failed to produce a valid assignment contract proving their ownership or right to collect on this alleged debt. 
The precedent set by XXXX vs. XXXX suggests that improper assignment or lack of proper chain of title can invalidate collection efforts, and I believe this applies in my case. 
Requested Resolution : I request that Midland Credit provide : A complete debt validation package, including the original agreement and a full payment history. 
A copy of the assignment contract proving their legal right to collect the debt. 
Any documentation proving compliance with XXXX vs. XXXX in their collection attempts. 
If they can not provide this documentation, I request that the CFPB take action to prevent further collection efforts and remove any related negative reporting from my credit file. 

Please investigate this matter promptly and ensure that Midland Credit complies with all applicable laws and legal precedents. I appreciate your attention to this matter and look forward to your response.
Product: Credit card or prepaid card

I was promised  XXXX  bonus points once I made {$5000.00} in purchases within 90 days. I met that requirement. That is how the offer was mailed to me when I decided to apply for the card. I had even confirmed with the customer service representative on  three di fferent occassions : once when i activated my card, once I had made the purchases, and few weeks after the completion of required purchases.     I was assured that I would receive the  XXXX  bonus points with in 6-8 w eeks. I just inquired as to why I did not receive these points.     I am being told that I had a similar card bac k in 2012 that was cl osed and they can not provide another bonus.This is not how the offer was mailed nor were these conditions relayed to me at any time prior to or during when I made these purchases. This is false advertisement on  American Express a nd I believe that I would like a fair resolution for this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/year> I got a late payment on my overdraft protection. The overdraft protection always was set up with an automated payment that would come out of my checking account. There was a mess up with the bank and something went wrong with the automation. Back then the bank apologized and said they would correct it. When I noticed it on my XXXX credit report I was very disappointed. I told them they fraudulently reported it and it was their mistake and they told me again they would take care of it. THEY DIDN'T!! 
I need your help to delete this late payment from my XXXX. I am never late in all my payments. This is a real shame
Product: Debt collection

I disputed this transaction several times its removed and replaced sold to another company without my permission. This debt is not mine I dont not open this account- company sold my information to someones and I didnt authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : $ XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX  ( XXXX : XXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In 2018 I discovered an account ( CONNS APPLIANCES INC ) on my credit report that does not belong to me. I have never resided at the address listed to this account nor have I ever made any payments on this account. Any debit or credit card information utilized to make any payments on this account has to be by the person who victimize me. I have tried several times on many different occasions ( approximately 10 ) to dispute this matter and every time they report back and say that the information is accurate when it is indeed false. I have also filed an identity theft complaint with Federal Trade Commission. I need this nightmare to be over it has been years and I refuse to let this person get away with this and I just want my life back
Product: Debt collection

I am writing to formally dispute inaccurate information on my credit report. I recently reviewed my credit report from your agency and found the following error : Creditor Name : LVNV Funding LLC This account is listed as " Placed for collection '' with an open balance of {$410.00}. However, I believe this information is inaccurate. 

According to my records, This account has been paid for and asked to be removed multiple times. The third party debt collector keeps reaching out after account has been paid off. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this inaccurate information be investigated and corrected. Please update or remove the disputed item and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

American Express, Sent me a letter informing me of the incorrect Credit Limit that was applied to my account. In the letter American Express indicated that the increase was due to a system error. This have completely decimated my trust in one of the most established and reputable creditors in the world. A creditor to which I am an investor and holder  of your common stock. This error on American Expresses part has burden me with financial damages. As with this oversight they have Defrauded me.

With the increase in Credit Limit it allowed for my Credit Score and my Credit Limit to increase. Giving me more access to spending without negatively impacting my credit ratio. This higher credit limit provided me false confidence when making large purchases as it would still show that I had thousands of dollars of Available Credit. This decrease in my credit limit is going to impact my credit score and toughen my chances of obtaining access to different lines of credit.
Product: Credit card

Dear Sir or Madam, XX/XX/2016 I traveled to XXXX and used my Chase credit card during my travels. Of particular concern was a double charge on my card that was from a bar that I visited. However, I only authorized and signed for a single charge from this bar. I contacted Chase about this extraneous charge and they immediately reversed the charge of {$130.00}. On XX/XX/2016, I received a letter from Chase stating that they contacted the vendor, XXXX, to dispute the charge. The vendor provided XXXX sales receipts and thus, Chase considered the charge valid. Chase provided these XXXX sales receipts to me in the same letter. However, what is apparent is that the signatures on the sales receipt clearly show XXXX different signatures, one which I had signed and authorized and a second signature which I had not authorized or signed. None of my party signed or authorized the charge as well. If you focus on the signatures on the attached sales receipts, it is clearly evident that the signatures are clearly different. After noticing the discrepancies in the signatures, I contacted Chase again about this fradulent charge, speaking to at least XXXX people on the matter, all of whom were unhelpful and bounced me around to different departments. Eventually, I was then instructed to write a letter to Chase explaining the charge. On XX/XX/2016, I sent in a letter to re-dispute this matter. A month later, I received a letter from Chase on XX/XX/2016 stating they consider the charge valid because they are unable to find a " billing error. '' Again, I, nor any of my authorized users, authorize this charge. Just because I was present at the same establishment does not mean that the charge is valid. My credit card was swiped twice and someone else signed for it. I can only speculate that this charge was an error on the part of the bartender and the establishment, however I should not be the one liable for this charge when the vendor mixed up the sales receipts. Chase refuses to acknowledge this. I recently paid off the amount of {$130.00} because it was the remaining balance on a closed account and I no longer want to have a balance on it. However, that is not a justifiable reason and I would like Chase to refund me the amount of {$130.00} that was fraudulently charged on my credit card. If you would like, I can provide all correspondence between Chase and I on this matter, including the sales receipts that was provided by the vendor. I appreciate your help on this matter and please feel free to contact me at any time to discuss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been made aware that LexisNexis has illegally obtained my personal information including a bankruptcy without my consent and has been selling that information to various other consumer reporting agencies including, XXXX, XXXX, and XXXX. 

Pursuant to 15 USC 1681 ( a ) ( 4 ), Congress states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for a consumer 's right to privacy. Also, pursuant to 15 USC 1681 ( a ) ( 2 ), Congress states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I have not, at any time, given Lexis Nexis written instructions to report a bankruptcy on my consumer profile. This act equates to Identity Theft. I have sent a letter to Lexis Nexis asking them to remove my information from their database, which they have received via certified mailing. ( attached below )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard pull inquiries on my credit report that should not be there, I would like their removal.
Product: Money transfer, virtual currency, or money service

Three transactions where charged to my Paypal account by XXXX. I contacted XXXX initially and they responded that I need to contact PayPal. I contacted PayPal and disputed these three transactions explaining that I did not have a XXXX account at the time of the transactions and please honor your protection guarantee. PayPal resolved my dispute without throughly researching my case. Had PayPal throughly researched my case they would realized that I had no XXXX ad or promotion. Which would not be possible because I did not have a active XXXX  account at the time.
Product: Credit reporting or other personal consumer reports

Kikoff Lending LLC you are reporting incorrect information for account XXXX. Your company is reporting a late payment for XX/XX/2021. During covid, my payments were deferred with Kikoff so there should not be any late payments reporting. Under the CARES act I have this right as a consumer. Furthermore, the company did not validate any of the late payments reporting. Please remove the late payment your company is reporting for XXXX of 2021 and advise the credit reporting agencies to send an updated credit report within XXXX  days. If this is not updated, I will have no choice but to proceed with legal action against Kikoff Lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/19 I submitted a dispute to Transunion regarding the XXXX XXXX XXXX account that is reporting. Transunion stated the account was valid. on XX/XX/19 I requested Transunion provide me with the details on how they validated this account. Transunion has not provided me with the details on how they validated the account. Transunion is in violation for not providing me with the information I requested. I also reached out to XXXX XXXX XXXX and requested validation of the account. They also have not provided me with the information. So clearly this account was never validated and can not be validated.
Product: Checking or savings account

Good morning, I lost my checking and savings account card on XXXX, but I didn't realize it until the next day. Over the course of that night, they made transactions totaling XXXX XXXX XXXX XXXX  dollars ( {$6000.00} ). The transactions were made in different forms, some online, but what worried me most was that they made two withdrawal transactions through an ATM, worth XXXX XXXX dollars each, for a total of XXXX XXXX dollars. As usual, I made a request to the bank. They initially informed me that my card and identity had indeed been stolen and that I should be calm. 
that the money was going to be replaced in my account and initially they put XXXX XXXX XXXX XXXX. {$1700.00} while they did the investigation, as is normal in all banks. 
On XX/XX/XXXX they sent me an email informing me that after conducting an investigation the result for claim No. XXXX was denied and they would eliminate the temporary credit for XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Experian : Im bothered by the fact that your company sent me an updated letter stating you had verified this previously deleted inaccurate account. Why are you ignoring my request to remove this previously deleted account when you clearly violated the law when you added it back on to my credit report without notifying me? 

Creditors : XXXX XXXX | Account Number XXXX XXXX XXXX | Account Number XXXX DEPT of Education | Account Number XXXX DEPT of Education | Account Number XXXX DEPT of Education | Account Number XXXX DEPT of Education | Account Number XXXX Reason : Account does not belong to me, leads me to believe this is related to an identity theft case I was recently involved with. Also, inconsistent information is being report as both XXXX and XXXX are not reporting these account Instruction : Delete inaccurate information and remove fraudulent accounts Because of this, I have filed complaints with the following agencies : FTC, XXXX, attorney general, and attorney general in your state, Consumer Financial Protection Bureau. I will be filing more complaints with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Advocates for Fair Credit Reporting. 

The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA. Please remove the account. If you choose not to act, I will have no choice but to file more complaints and seek legal advice from an FCRA attorney. Attached is also a copy of police report. 

Information has also been mailed to Experian with all relevant documents to this case.
Product: Mortgage

well this is XXXX XXXX complaining about ocwen so I am very sure you know whats happening. and I want to let you know that ocwen just informed me this evening of an in house offer and this is what they said. we will take your interest rate to 2.0018 from 5 %. a house payment of XXXX a month. ( mind you our payments were XXXX a month when we started asking for help in 2011 ) and a net present value of our home at XXXX, and a market value of XXXX, with a principle balance of XXXX so our home is at present worth XXXX or XXXX and they are collecting XXXX with a very nice balloon payment of approx.XXXX at end of term. another helping homeowners is what we do, good deal from ocwen, right? ok, let me also say they have not even tried to ask our investor, XXXX XXXX for a principle reduction. you would think after all the XXXX they have put my family through they would at least ask .... they have our income at XXXX a month and want us to pay XXXX a month. then we have XXXX a month in child support, a XXXX yr old to support, groceries, electric, and so on ... .. there is something wrong here ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion about the following negative accounts ; XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} ), US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ), USDOE/XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6900.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.
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.
Product: Credit reporting or other personal consumer reports

EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATIONTHAT I PROVIDED TO RESOLVE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE XXXX  THAT NEEDS TO BE FIXED.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS SHOWED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME