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

I previously submitted a complaint to the CFPB on XX/XX/XXXX against Comenity Capital Bank due to unfair practices of not letting me pay off my debt despite calling and following up with them multiple times, and hitting me with delinquent payments and hurting my credit score. My credit score has still not returned to the original value it was at before I had opened a card with this bank. I have always responsibly paid off all my debts and worked extremely hard to increase my XXXX XXXX. Please see the attached file for my earlier credit scores ( in XX/XX/XXXX ), where XXXX was XXXX ( I'm currently only at XXXX ), and XXXX was at XXXX ( currently only at XXXX ). This is unacceptable and a violation of my rights as a customer.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureaus Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX XXXX DATED XX/XX/year> despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting fraudulent accounts on my credit file and they are not complying with the FTC.or FCRA 1. XXXX XXXX XXXX fraud 2. discover bank, fraud 3. XXXX XXXX, isnt mine All these account should be removed according to the FTC, FCRA
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$5800.00} XXXX XXXXXX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I tried checkin it through XXXX XXXX and XXXX XXXX.even tried the annual report..called Equifax..nuthn worked..I 'm gettin scared cause im only XXXX and want to mak sure nobodies using my ssn. 
Please help..I did all this on XX/XX/XXXX..but got an alert from XXXX XXXX about a new account on my report but cant check it to mak sure its mine
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 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) its also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ). XXXX, XXXX, AND EXPERIAN ARE REPORTING INACCURATE INFORMATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a previous complaint XXXX Experian is refusing to update my balance correctly and keeps updating I have a balance of XXXX which is incorrect the dispute item number is XXXX I have provided statements and called several times and on XX/XX/2023 they upadated my balance again incorrectly and this isnt my date to update it normally is done after my statement date
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX Balanced {$550.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$360.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

The mortgage company XXXX was the originator of my home mortgage. Early this year my loan, alone with a large group was sold to another lender, NewRez llc. No information was provided from the new lender, to include a new account number, payment book, or how to reach the lender. We continued to make the XXXX payment to XXXX, via the payment book we have used previously. A few days later we, on our own initiative, found and contacted NewRez to determine our account number and how payments are processed. The representative indicated all payments, during the interim of the transfer of the mortgages, would be sent from XXXX to NewRez. Subsequently, we have received calls on a daily basis. We made payments as outlined in our mortgage agreement and the transfer of the mortgage was a unilateral decision. Moreover, each call is more aggressive in nature and they, NewRez, refuse to work with XXXX to transfer the most recent payment from XXXX to NewRez.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I unknowingly sent money through cash app to a scam artist for goods that were not receive. After that I try to get in contact with said person, to get a refund for my money for the goods that were not received. I find that the person blocked me on social media so I would not be able to contact her. Shortly after I contacted cash app to see what could be done about the situation as far as a refund. They informed me that they will not be able to take responsibility for any transfers of money through cash app and that I should contact my bank. After that email transaction with cash app I contacted my bank to file a claim. They were able to assist me so far up until XX/XX/XXXX of 2020. I have contacted my bank today, XX/XX/2020 and they reversed the credit transaction from the claim money. They informed me that cash app will not take responsibility for the transaction and refund me my money. Cash app has done this multiple of times where I contact support and verbatim will say they do not have any more information for me. All I want is my money back from a scam artist praying on me. The original transaction happened in XXXX and I should not still be dealing with this in XXXX. Cash app Has closed my account due to the dispute and will not allow me to add my debit card information anymore. And when I asked as to why my account is closed they never give me any information. I no longer use cash app for anything and I would love to receive my {$85.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX ( 2 year payment history ), and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$2200.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  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 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX XXXX XXXX XXXX, and KAY JEWELERS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and KAY JEWELERS with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I pulled my credit report on XXXX XXXX, 2016 and found a collection listed on XXXX XXXX, 2016 from Credit Management LP. I have had no prior contact with Credit Management LP and have no agreement nor contract with them. The contacted XXXX separate third parties concerning this alleged account illegally. 

Credit Management LP never sent a notice to me that they were attempting collect a debt, instead they just reported this unvalidated debt to all XXXX credit bureaus and in doing so violated the Fair Debt Collecgtion Practices Act 15 USC 1692g Sec 809. This law provides me the right to dispute their claim and prevents them from reporting their untruthful claim to credit bureaus if I dispute it. The violated my rights and the law by not notifying me of the alleged collection account, then again by contacting a 3rd party about it. 

I sent a Notice of Pending Litigation letter seeking relief and monetary damages to them on XXXX XXXX, 2016.
Product: Debt collection

I am contacting you regarding a matter of concern with my credit file. I've noticed a collection entry from your agency that I was previously unaware of. I have significant reservations about the validity of the claimed debt. In accordance with the Fair Debt Collection Practices Act, I am exercising my right to request debt validation. I ask that you provide the necessary validation and take appropriate steps to resolve this issue.
Product: Debt collection

I have disputed this debt numerous times. I sent XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXXXXXX XXXX  has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to XXXXXXXX XXXX : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I sent a dispute letter regarding the inaccurate bankruptcy on my credit report. Equifax investigated and removed it from my credit report. A few days later it was added back on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, TransUnion, and Experian regarding their handling of my credit dispute. I previously submitted a dispute requesting the removal of inaccurate collection accounts and the original creditor accounts that sold my information to debt collectors.

One or more of these credit bureaus has now requested two forms of identification before proceeding with my dispute, despite my initial submission containing sufficient identifying information. I believe this is an unnecessary barrier to the dispute process and may violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable investigation of disputed information. 

Additionally, I am concerned that the original creditors improperly sold or transferred my debt, resulting in unfair credit reporting. I request CFPBs assistance to ensure : Equifax, TransUnion, and Experian promptly investigate and remove inaccurate or improperly reported accounts. 
The original creditors are held accountable for any unlawful transfer or sale of my debt information. 
That I am not subjected to unnecessary delays or obstacles in resolving my dispute. 
I have attached supporting documents, including my initial dispute letter and responses received from the credit bureaus. Please advise on the next steps to ensure compliance with FCRA and proper handling of my credit file. 

Thank you for your assistance.
Product: Checking or savings account

I try to open a bank account with Regions but it's not let me and I don't know why
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus several time in reference to this matter and it has yet been resolved. 

The account in question : 1. XXXX Account # XXXX XXXX {$9.00} Opened- XX/XX/XXXX 2. XXXX Account # XXXX Balance {$780.00} Opened- XX/XX/XXXX 3. XXXX XXXX Account # XXXX Balance {$1600.00} Opened- XX/XX/XXXX 4. XXXX XXXX Account # XXXX Balance {$2600.00} Opened- XX/XX/XXXX
Product: Debt collection

I switched from XXXX  to my friends XXXX plan on XX/XX/year>. I called sprint that day to close the account and paid the amount in full. Because it was through phone, I never got the receipt, but even if I did, I would probably just throw it away anyways because who would have thought that XXXX would send you to collections when you closed the account. Anyways, I dont have the receipt but I do have the bank statement that day showing I paid XXXX $ to close the account. I have XXXX XXXX and every now and then I would see a collection appear on my account. I then would dispute them and finally last year it got taken off. However, i just got a letter from them dated XX/XX/XXXX that same collection appeared again under a new collection agency, XXXX XXXX.
Product: Debt collection

I was taken to the emergency room of the XXXX XXXX XXXX on Friday, XX/XX/XXXX, after sustaining a serious injury from a XXXX XXXX. I submitted my insurance information and my dad helped pay off the {$220.00} remaining after insurance paid the rest. I assumed it was all taken care of by then. However, I received a phone call from North American Recovery on XX/XX/XXXX saying that I owed a debt of {$460.00} on that same bill. I called back a week later after confirming that North American Recovery was a legitimate agency and not a scam, and I told them that as far as I knew, the bill had been paid in full. I attempted to contact the XXXX XXXX XXXX to ask about the debt, but I did not receive any response. On XX/XX/XXXX, I sent an image of the receipt, and I received a response on XX/XX/XXXX that my dispute was not legitimate. I later discovered that this debt was to pay the XXXX   doctor, which was different from anything that had been paid already. However, I did not receive any notice, written or oral, about this bill until XX/XX/XXXX, and it was added to my credit account on XX/XX/XXXX ( before I got notification that it was a legitimate bill and had not yet been paid ). I do not feel I was given enough notice that this bill existed. I did not receive any communication from the hospital that I had any outstanding debt, and furthermore, I do not feel like I was given adequate time to confirm the legitimacy of the debt after it was sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to go back to school and I had complications so I dropped the class so the loan should have been returned back to Navient I dont owe them I didnt go to school or graduate from there. I need it removed so I can have my credit in order I have been disputing charges from them because I didnt attend the school for even a month for me to be charged XXXX XXXX I need help with this
Product: Credit reporting

I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and Trans Union of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to one of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are : Inquiries : XXXX, XXXX, Account Numbers and Agency ( s ) : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX XXXX Experian Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT and I'm including it again. 

Please verify this account : XXXX XXXX XXXX XXXX**** Balance : {$0.00}
Product: Debt collection

Over thirty days has lapsed and I still have not received a written response to my debt validation request. I am trying to purchase home and my credit score dropped about 90 points as a result of this account being reported to my credit report. To date, I have yet to receive any kind of phone call or written notification regarding this supposed debt. I do know how or why someone can place something on your report without contacting you first. I have no knowledge of this debt or any monies owed to who they say i do. That is why I wanted them to validate the debt and they are not responding to me.