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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Submitted complaint on or about XX/XX/XXXX  it has been over 30 days and I have not received a written validation/ contract containing my wet ink signature ( Failure to transmit statement 1637 ( b ). Trans union and XXXXXXXX XXXX XXXXXXXX are in violation. Both entities are in Default and Dishonor.
Product: Credit reporting, credit repair services, or other personal consumer reports

My state won a lausuit for fradulent practices by XXXX where part of the relief was to delete the account.
Product: Debt collection

Reaged dates on collections You can use the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ) to dispute improper updates on a charge-off.

Key Points from the Law : 1. Charge-offs can only remain for 7 years from the original date of delinquency ( DOFD Date of XXXX XXXX ). 


2. Creditors can not re-age debt by changing the charge-off date to make it appear newer.

3. Updating the balance is allowed, but they can not reset the reporting timeline.

If a creditor illegally re-ages your charge-off, dispute it with the credit bureaus and reference FCRA 15 U.S.C. 1681c ( a ) ( 4 ). If they dont correct it, you can file a lawsuit
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning. I have no idea how they got there. I check my credit report regularly, and this time there were these random discrepancies. I even refreshed the browser thinking it might be a glitch, but it wasnt. The errors stayed there. Im really upset, and Im asking that the documents I sent be reviewed thoroughly so I dont have to go through this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report States I was late for my XXXX XXXX credit cards are incorrect. One account is paid in full and closed in XX/XX/2020 but shows late and the other was closed and is currently t and never late. 
* XXXX XXXX credit card ( last late XX/XX/2020 ) ; acct # XXXX * XXXX XXXX credit card ( last late XX/XX/2020 ) ; acct # XXXX I was never late they provided me with a deferment and it was approved and I have proof and it still shows late after various disputes by all 3 credit agencies Remove the late payments from all 3 credit bureaus since this is incorrect and Ive never been late.
Product: Credit card or prepaid card

The phone number XXXX called me and gave me an application number and asked me to call them back. When I called and provided the application number they started asking for more personal information so I said no and hung up. Then I called the XXXX number for Capital one and asked if I had an application in process and they said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from Experian states that I have an outstanding debt of {$830.00} with XXXX which is listed as a personal loan. On XX/XX/2022, XXXX sold my loan to XXXX XXXX, XXXX whoacquired the loan, with an unpaid balance. ( Attaching confirmation of account sold to XXXX XXXX from XXXX ). This was a charged off account that was sold but is still reporting a balance from XXXX ( original creditor ) of {$830.00}. I have attempted to reach out to XXXX and Experian many times to update the balance of the loan to {$0.00} as the account was sold off and should be reporting a balance of {$0.00}. I have disputed it with Experian many times as well as XXXX. On my XX/XX/XXXX Experian report, Experian actually did fix this issue and took out the balance ( attaching XXXX account information on XXXX ), but maybe due to having multiple disputes open someone else put the balance back on my Experian report ( attaching XXXX account information on XXXX ). This started showing as a new delinquent account on my Experian report because it was re entered which dropped my score more than before when it was previously reported. I am not able to get the balance removed. I have also settled this debt with XXXX XXXX XXXX ( attaching confirmation of debt settlement ).
Product: Debt collection

I received a notification that LVNV Funding LLC reported a debt in the amount of {$520.00} on XX/XX/year> to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find my complaint against XXXX XXXX. I have never opened an account with XXXX XXXX and despite their response to the CFPB, although I have contacted them, they have never provided information to XXXX  required under Section 609, 611 FCRA. XXXX XXXX is required to provide the nature of their investigation into my complaint or dispute, XXXX XXXX has failed to do so. To simply refer me to customer service does not comply with Section 609, 611 FCRA. Whether or not the identity process passed their test is irrelevant because XXXX XXXX is required to provide specific proof of the time and date of the person who opened the account with them, my authorization to pull my credit report and any and all contracts or agreements bearing my signature and my authority to enter into the contract. 

Please be clear, as of this complaint, XXXX XXXX has failed to comply with Section 609, 611 FCRA or provide ANY documentation to support the alleged debt and derogatory report XXXX XXXX is supplying to XXXX, XXXX and Transunion with regard to XXXX XXXX XXXX XXXX XXXX, I did not OPEN an account with XXXX XXXX and they are required to prove I opened an account with them or they just remove the report. XXXX XXXX has failed to comply with Section 609, 611 FCRA and I file this complaint in reference to these statutes. I am also attaching copies of the statutes.
Product: Credit reporting or other personal consumer reports

This is an unfair system that should be ignored and taken advantage of, even though malpractice breaks many laws.The severity of not taking my situation seriously has resulted in financial harm, defamation of character, and a 60-day silence.
Product: Debt collection

I had a doctors visit on XXXX XXXX with XXXX XXXXXXXX XXXX at the XXXX XXXX. I was billed {$130.00} for the visit. My health plan Explanation of benefits shows a diss allowed amount of {$20.00}. My ( patient health plan member responsibility ) was {$110.00}. The bill was sent to collections. Creditors Bureau Associates sent a collections letter. I had a phone conversation and emailed XXXX XXXX on XX/XX/XXXX at CBA that my E.O.B. Says that I only owed {$110.00}. I emailed XXXX XXXX the E.O.B. as she requested. My attorney advised me not to pay it until after the settlement. XX/XX/XXXX I made the full payment of {$110.00} to the collection company CBA above. They continue to this charge on my credit report, and Ive disputed it several times with this company. My doctors office called me today XX/XX/XXXX and said I cant be seen until I pay the collection company Creditors Bureau Associates {$20.00} that I dont owe them. I called the collection company today XX/XX/XXXX @ XXXXXXXX XXXX. and I spoke to XXXX XXXX. XXXX asked me why do I think I dont have to pay the {$20.00}. I told XXXX because I dont owe {$20.00}. Why havent you proved the validity of the debt. XXXX asked me why did I send in a copy of my Explanation of Benefits. I said because its proof that I dont owe you {$20.00}. XXXX said he could no longer talk to me because I disputed the debt. He even read to me the {$110.00} was paid. No I can NOT see the doctor with a PIN code from this collection agency saying the debt has been satisfied. I DONT OWE THE DEBT. XXXX was rude, and refused to correct the issue. Just an arrogant I cant help you. I dont have anything else to say to you, XXXX XXXX.
Product: Debt collection

Amount of {$430.00} was owed to XXXX XXXX XXXX. Debt has now been inflated to double. I have been asked to pay interest, per state law I know I owe. Attorney fees, late fee 's and service fees are being applied to the amount owed. My state laws states that only fees can be collected if there is a written contract between the creditor and the debtor. No such contract has ever been provided to me from Audit and Adjustments out of XXXX Washington. An itemized list is not a contract of services owed. 

I have asked multiple times that they report to the 3 credit bureaus, but they have refused to provide a letter to me saying that they will report to even one once the debt was paid. 

Amount has now been inflated to {$980.00}
Product: Checking or savings account

In the beginning of XXXX Bank of America allowed someone to open an account in my name online. I was informed of this when a statement was delivered to my residence. Immediately, I called to find out how this happened. After filing a complaint with them, I was informed that the account had been on XX/XX/14 ; however, in the early part of XXXX I received another statement from this account. I called Bank of America again and was reassured the account was closed. On XX/XX/XXXX, I mailed them a certified letter demanding that they immediately close this account. It is XX/XX/XXXX and I have not heard anything back yet.
Product: Student loan

Ameritech Financial stated that they could help me with lowering my monthly payment with the federal loan agency, that I would still have my payments counted under the loan forgiveness plan and they would be happy to take care of the communication with them directly to process everything. It sounded like they had a great partnership working with one another to help hard working Americans help pay off their student loan debt a little more easily. I made 6 months of payments to Ameritech and none of those payments went to my federal loans nor was the 6 months count towards my loan forgiveness plan. Something told me to check with the federal student loan agency directly and that is when I learned that they were not getting any payments nor were those payments being counted for loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last complaint regarding equifax, I requested evidence and proof that the alleged derogatory items ( late payments/collections/chargeoffs are being reported accurately. 

In their response to you on my last request for proof and evidence of any alleged late payments ( proof that i didnt pay and/or pqid late as they alledge, proof that any contract exist between the collection agency and myself with my wet ink signature on said contract and my demand for proof of permissible purpose for all Unauthorized and unverified hard inquiries ( with proof ), the provided ZERO of the information I requested. If they can not provide proof of the alleged derogatories/delinquencies they are listing on my consumer report, it is simply because they can not provide such proof as no proof exists. With that being said per FCRA they are violating my right to privacy, proving that not once but 2 times now they have failed to provide any proof nor evidence that a proper investigation nor reinvestigation was performed which is a 3rd violation of federal law, and zero proof that they had any permissible purpose to provide my personal, non public information to many creditors they have listed as fraudulant hard inquiries as proof of such. Hard Inquiries are not a Factual record as they claim when they can't provide proof of the many alleged " Factual information '' they alledge. In fact per fcra they are prohibited from reporting anything on my consumer report with my written consent. This is an absolute disgrace and they should be ashamed for 1. Reporting without consent 2.completely disregarding the laws set forth in 15 USC 1681 on multiple occasions and 3. Lying to you, the CFPB who's job it is to regulate them and has failed to-do such. My next complaint will be tomthe XXXX, FTC, and TX attorney General.
Product: Mortgage

My XXXX and I got into a FHA mortgage in XXXX of XXXX the selling financial institution providing credit for it was XXXX XXXX  located in XXXX XXXX Fl . Subsequently our mortgage was sold almost immediately to JP Morgan Chase Bank to whom we started making The associated mortgage payments. We were successfully making our payments until the end of XXXX when we decided to ask Chase for a modification due to the high monthly payment, and the fact that we were experiencing financial difficulties, our application was denied five times until one of the bank 's employee suggested to us to get behind payments so we could be heard by the bank and get approved for a modification. Chase issued a foreclosure suit on XXXX and we requested the court to dismiss the case arguing JP Morgan lacked the proper documentation or standing on the property, this intention was promoted by a mailer advertisement flyer advising us the possibility of Chase committing fraud on our mortgage. We went onto hire an attorney to investigate the case and that is when Chase Bank sold the property to XXXX XXXX XXXX   alleging probably legal litigation issues. Its been 9  years since our property has gone through different banks including HUD, XXXX XXXX XXXX, XXXX XXXX, Chase, XXXX XXXX and the respective servicers XXXX XXXX of California and XXXX XXXX from Pennsylvania. ( All of them claimed at one point in this process to stand ownership, the fact is none of them were able to prove standing on the property ) The problem goes even farther and here is what I need your intervention or to enforce clarity and truthfulness to whom it pertains. In XXXX we filed for bankruptcy chapter seven in XXXX XXXX FL Seven circuit court, it was discharged and approved on XXXX XXXX XXXX. Two items were exempted or not included in the bankruptcy ( reaffirmation ) our house located in XXXX FL and a 2009 XXXX XXXX, To file the bankruptcy we hired a Bankruptcy lawyer by the name XXXX in XXXX FL. This process cost us {$2900.00} which included payment for the affirmation items referenced above, I must mention that I keep all the correspondent receipts and evidence of business done with the XXXX XXXX XXXX in XXXX FL. XXXX XXXX who's challenging the foreclosure now brought up the bankruptcy case in a clever move directed to promote the court to rule in their side, the good thing about it is that statute of limitations can prevent them from taking our house since state of Florida laws only allow for five years frame time. I asked XXXX XXXX and Chase Bank to provide documentation that proves paper work for the affirmation ( paid ) was submitted timely within the legal frame time ; Until now neither chase or XXXX have shown a satisfactory answer to my request. This is important to me because I can prove to the court I paid for the reaffirmation, that our house was never placed on bankruptcy and that someone did not submit our paperwork on time making us look bad, XXXX XXXX claims that since the house was included in the chapter seven bankruptcy, we lost our chances in fighting the foreclosure. We are trying to prove otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXX Docket # 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 without my written instructions.
Product: Payday loan, title loan, or personal loan

A process of a payment settlement because its decrepit and no agreement could be reached.
Product: Credit reporting or other personal consumer reports

Ask them to verify how they state the information is correct when it is a fraud, and they have a copy of my police report but refuse to remove item because they say it's verified without showing proof to me that they verified it. XX/XX/2024. I called and spoke with rep they ask me to upload police report which I did, and they still haven't acknowledged it but state they verified this account without showing me where they verified this information. I filed my first dispute. then a file another XX/XX/2024, sent police report and they still refuse to remove it.
Product: Credit card

My navy federal credit card was stolen and used without my permission or knowledge and i filed a police report and the way its reporting on my credit report and i would like an investigation done into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was not originally disputed, but it is no longer valid. It has been paid in full since XXXX and has had a XXXX balance ever since. I have disputed this report on numerous occasions by phone and in writing, which should not be reason to have it remain on my credit reports. Written request from XX/XX/XXXX and XX/XX/XXXX, through this year have been ignored. I can not get anyone to respond and there has been no resolution. 

I am being penalized on my mortgage loan and need immediate action from this lender by removal of this long since paid off account from all three reporting agencies.
Product: Credit card

On XXXX XXXX, I saw a TV sale at Target. I have a Target Credit Card and knew my limit was {$4800.00}. When I tried to purchase a {$840.00} TV online, I was denied. I called Target and was told my limit now was {$200.00}. The Customer Service Person told me that in XXXX 2015 my limit was reduced to {$2000.00} and in XXXX it was again reduced to {$200.00}. The reason for this reduction according to Customer Service was that I had not used the card in at least 9 months. He told me it was not my Credit Score and in 70 days they would review the limit again. However, I needed the TV now. 
The reason of my complaint was that Target never informed me when they reduced my limit not once but XXXX. I even expressed this complaint to Target 's XXXX department.
Product: Debt collection

with all of the above stated derogatory marks on my credit, it seems all are medical bills. Being that I am a XXXX XXXX who has paid for medical insurance for years, and when i was unemployed during lay off periods and what not I had medicare. If they could all be brought into XXXX debt, not several seperate collections, I would be more than happy to find a payment solution, and given a break on the total lump sum due to financial situations and I already pay a medical premium, child support, taxes, etc. If possible I would like all the medical credit history brought together as XXXX collection and a payment set up.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I was in the hospital XXXX XXXX with XXXX after complex XXXX  XXXX. I supplied proof and they will not remove a 30 day late status for that date in spite of a PERFECT credit score for decades with them and other creditors. I have asked twice for an investigation with no results. This is slotted to remain on my account until XXXX. This is unacceptable. It is obscene that I should be punished for such an occurrence, particularly when my account was previously impeccable and has been ever since!
Product: Debt collection

We conditionally accept and acknowledge your letter, from Credence. We are willing to settle any debts provided there is proof of a valid contract with wet ink signatures, a True Bill, and written consent from us authorizing the use of our personal information. We contend that no such evidence exists or can be presented. XXXX XXXX XXXX XXXX lacks written permission to disclose any of our private information and has not informed us in writing of their intention to do so ; otherwise, they would have produced any such evidence by now. 
Furthermore, XXXXXXXX XXXX XXXX XXXX non-response to our Certified Mailings, as recognized by the true court of the XXXX, implies they have no contractual agreement with us, which they have effectively conceded with their acquiescence. 

1. CREDENCE by having and using our private information has committed Identity Theft under Kansas code 21-6107. ( a {$1000.00} fine per use, for a {$4000.00} total ).

2. CREDENCE by producing a Notice of a payment, has violated The False Claims Act 31 sec 3729.

3729. False claims ( a ) Liability for Certain Acts.

( 1 ) In general - Subject to paragraph ( 2 ), any person who- ( A ) knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval ; ( B ) knowingly makes, uses, or causes to be made or used, a false record or statement material to a false or fraudulent claim. 

CREDENCE has 10 days to produce evidence of a TRUE BILL, valid contract with wet signatures of both parties and a letter with our written consent to possess any of our private information. 
If no evidence is brought forth within 10 Days, CREDENCE will pay a fine of {$4000.00} and we will call/use as a witness the CFPB and the CFPB will testify to your False Claims Act violation ( s ) USC 31 sec 3729, and the Identity theft per Kansas code 21-6107 by CREDENCE.

A common law commercial lien is a mechanism available to any individual seeking legal redress from the actions of another person or persons who have caused, attempted to cause, or conspired to cause harm. Such acts are termed " torts '' and fall under tort law, encompassing offenses like harassment, which includes threats and is seen as psychological harm, and defamation of character, which damages one 's reputation. The principle is straightforward : all being equal before the law, every individual owes a duty of care to one another, ensuring that our actions towards each other are backed by common law, allowing us to coexist peacefully. Neglecting this duty of care is a criminal offense and constitutes a tort against us and.

Therefore, it is advised that you heed this notice and present ACTUAL evidence within 10 days. Should no evidence be found, as we suspect, the CFPB will be obliged to acknowledge this fact and fulfill its intended purpose.

In the future, you may find yourself dealing with the commercial lien process more often as it becomes more widely recognized and utilized. 
Thank you for your time,