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

XXXX has refused to remove XXXX XXXX XXXX from my credit file. The card was included in my Bankruptcy and although I have disputed it with the company it still remains on my credit report. 

XXXX as refused to remove a XXXX XXXX Credit Card from my credit file. I have disputed the card with the credit bureau, however they refuse to remove it. I filed for bankruptcy in XXXX and the account was showing opened in XXXX. The card was also not in my name, I was an authorized user so I did not incur the debt.
Product: Vehicle loan or lease

I just went though a XXXX XXXX  bankruptcy which was completed in the month of XXXX of XXXX and as part of that i signed papers for ford XXXX to take the truck back as part of the bankruptcy. Ford refused to pick the truck up and now the are reporting it on my credit reports that it was repressed and I owe XXXX and some change. will for one it was a lease and not a buy and and i did not owe that much money for a lease so they are reporting the wrong figure amount and on top of that it should not even show on my credit report because this was part of the bankruptcy. ford stated it was not however I spoke to my lawyer and they papers were sent to for 7 times and signed for. I want this off my credit reports and it should have been included in the bankruptcy.
Product: Mortgage

I was in the process of refinancing my mortgage and the refinance never was completed. One payment from XXXX of this year was late due to the refinancing not being completed. I than proceed to pay the month of XXXX and the current due month of XXXX and both payments were removed from my account in a total payment of {$4300.00}, The Mortgage company than proceeded on XX/XX/XXXX to take an unauthorized third payment of {$2000.00} which led to my bank going into over {$1100.00} in overdraft fees. I did contact the mortgage company which led to a series of unanswered question and roundabouts. they first said I'd receive the money back within 2 weeks, however than said it wasn't sufficient enough and they had told me that it would take 21 days to receive a check in the mail. they however still haven't returned the extra payment that was withdrawn from my account and will not answer any question or answer anything about the money taken from my bank. the bank is trying to reverse the payment however they are having a hard time as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act XXXXXXXX XXXX  account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Against SYNCB/JC Penney XXXX for Unlawful Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint regarding the debt collection and reporting practices of SYNCB/JC Penney DC, which have adversely affected my credit profile and violated several federal consumer protection laws. This complaint is lodged to seek the Consumer Financial Protection Bureaus intervention in resolving these grievances.

Violations Committed by SYNCB/JC Penney XXXX : Failure to Provide Debt Validation : SYNCB/JC Penney XXXX has placed a collection entry on my credit report without providing any validation of the debt as mandated under 12 CFR 1006.34 ( b ) ( 5 ). They have not furnished documentation that substantiates the debt they claim I owe.

Denial of Dispute Opportunity : Contrary to 12 CFR 1006.34 ( c ) ( 4 ), I was not given an opportunity to dispute the accuracy of the account information adequately before it was reported to credit reporting agencies.

Deceptive Collection Practices : I assert that SYNCB/JC Penney XXXX has engaged in misleading, deceptive, and misrepresentative means to collect this debt, which clearly infringes upon my consumer rights. 
Unauthorized Reporting : This agency has reported information to consumer reporting agencies without providing all required disclosures, a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Actions Requested : Debt Validation : I request a comprehensive validation of this debt, including but not limited to the original creditors details, the original amount, and a breakdown of all fees or charges.

Purchase Agreement Evidence : I require a copy of the agreement between SYNCB/JC Penney DC and the original creditor that authorizes them to collect this alleged debt.

Licensing and Bonding : Proof that SYNCB/JC Penney XXXX is licensed and bonded to collect debts in my state.

Cease of Communication : I hereby revoke any consent for SYNCB/JC Penney XXXX to contact me via phone, email, or text messages. All future communications should be conducted through written correspondence to the address above. 
Attached are copies of all relevant documents pertaining to this matter for your review. I urge the CFPB to conduct a thorough investigation into these claims and anticipate a response addressing each point of contention. 

Thank you for your attention to this pressing matter. I look forward to your prompt and affirmative action to safeguard my rights and ensure compliance with applicable laws. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, National Credit Adjusters ( NCA XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Product: Debt collection

I want to file a formal complaint against LVNV Funding LLC for egregious violations of my consumer rights. 
It has come to my attention after reviewing my credit report that LVNV Funding LLC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. 
I am unaware of this debt and I have no knowledge of these debt. 
I hereby declare my revocation of all communication channels with LVNV Funding LLC including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that LVNV Funding LLC provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report XX/XX/2024. 
I demand the immediate deletion of this account from my credit report. 
The date on my consumer report indicating that I opened an account with LVNV Funding LLC XX/XX/2024 blatantly false. I neither received any services or products from LVNV Funding LLC nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. 
LVNV Funding LLC is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character. 
LVNV Funding LLC has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report. 
LVNV Funding LLC has not given me a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) LVNV Funding LLC is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means. 
Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law. 
The actions of LVNV Funding LLC constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). 
I am formally demanding the swift deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any business with any of these companies and my I am a victim of fraud XXXX XXXX XXXX National credit system XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report 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: Debt collection

Repeatedly contacted family after being told I have no relationship with them and even handed out personal information out to them. Using threatening language even after staying in contact with them.
Product: Mortgage

I was fired from WFHM after I applied for a mortgage loan and the XXXX learned I was still auditing loans on nights and weekends for my former client during XXXX. I lost the 2.99 % rate drop from 5.25 % saving me $ XXXX month. I lost my job and WFHM claimed I committed fraud on loan applications because I omitted secondary income from the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 someone was trying to finance a car in my name without my knowledge ... As a result of that I see several inquiries on my credit report that are not mine ... upon getting a paper XXXX of my credit report I have kk these inquiries I did not do myself nor give anyone permission to run my credit. 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 .. I called each credit bureau and they as told even though it was fraud because I didnt do it myself or give anyone permission that they were not going to remove.. I also called the police to make a police report and was told since no account as opened they couldnt find a report ... I am requesting all these inquiries be removed from all 3 credit bureaus ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against all three credit bureaus it has come to my attention that after contacting two or  more credit analyzing companies and offering my credit reports over to them for a audit review they have discovered that people in the same exact situation as my credit reports which has less than 5 credits on it I've noticed that their scores are at least 25 to 35 % pointwise higher than the above 's also they discovered that all three credit bureaus were ignoring their own rules and regulations when it comes to identity theft alerts and putting information on to credit reports without verifying the legitimacy of a creditor prior to in conclusion the above wishes to submit a audit review to have the Federal Trade Commission look into the unfair practices of these three credit bureaus pertaining to XXXX XXXX XXXX XXXX credit file over the last 5 years thank you for your corporation. 
XXXX XXXX
Product: Mortgage

In XXXX of 2020 I was put on a trail payment program. I made 3 payments and the bank kept my money. They denied the loan modification and never refunded my payments. Now they want to take away my home. How could they foreclose while collecting and keeping my payments I believe that is illegal. 
See attached proof that payments were received from the bank and their attorney.
Product: Mortgage

I requested a copy of my forbearance exit document on XX/XX/XXXX. They claim it was sent on XX/XX/XXXX but my bank did not receive the document. When I called on XX/XX/XXXX they first claimed it was sent to the wrong number. After being transferred to someone else to expedite a copy being resent, the agent then gave a conflicting story saying the report was originally sent correctly. I was given the run around and had to request the documentation to be resent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. Please remove these accounts in my credit file ASAP.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account Experian, XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. 
all my other account are updated XXXX XXXX XXXXXXXX, Experian is the only agency reporting late inaccurate payments. 
according to chapter 15 U.S CODE 1681e - compliace procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a credit card my name was compromised
Product: Checking or savings account

On Weds XX/XX/XXXX Capital One bank secretly withheld information that this 3rd party vendor they used allegedly went through an outage. It wasn't until Thurs XX/XX/XXXX ( which is usually when I get my deposits ) I discovered the outage within my account. I was told when I called on Thurs by one of their reps it would be deposited by XXXX Est on Thurs night. Well it never happened, I called prior to them closing and got another rep by the name of XXXX who advised me that it would be posted by Friday morning. Barely slept, watched my account like hawk and still to no avail my funds have been received. So now my family and I have to spend an entire weekend with a possible winter storm approaching within my area ; with no way to provide for food and pay my bills accordingly. Most of the company 's I've had correspondence with regarding my failed payments is not taking it likely nor should they for the inconsistency imposed by " Capital One Bank. '' I have enclosed the email sent by them on late Thursday night. It's to my understanding regarding comments via social media platforms, that not all customers obtain documentation of explanation from them. This is horrific and completely unacceptable and it's my hope that you go after them with ever fiber of your being!
Product: Credit reporting or other personal consumer reports

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 XXXX 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 a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent charge offs appearing on my consumer XXXX 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. The aforementioned accounts, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of XXXX XXXX XXXX XXXX XXXX # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx, XXXX SSN : XXXX DOB : XX/XX/XXXX Dear : APPLE CARD GS BANK USA Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within XXXX business days of the written confirmation. 

Thanks in advance XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian credit bureau is reporting a bankruptcy public record on my credit report. This is not my account and may have been the result of a breach. The XXXX  credit bureau has already removed this inaccurate bankruptcy from my credit report. I have disputed this item several times with the credit bureau.
Product: Debt collection

I filed a previous complaint # XXXX. This was concerning a debt payoff to ZFN & Associates last year ( Account # XXXX ) that was mistakenly paid to them on a debt being paid through court settlement. 

Zenith Financial 's response on XX/XX/22 was " Our client has not responded in a timely manner, therefore we are mailing the consumer a refund of {$1500.00}. '' I have made multiple attempts to their Compliance Dept to find out the status of this refund. The only call backs I have received ( one in XXXX, one in XXXX ) were to tell me the refund would be going out the following week. At one point around XX/XX/22, an employee stated that " we have reached out to the president of the company. He is currently on vacation, but when he returns next week he will personally send out a check ''. 
To date, this has not happened.
Product: Credit card

I opened an account with Macy 's XX/XX/XXXX. I had the account in good standing. They closed the account XX/XX/XXXX without my knowledge due to " inactivity. '' They refuse to open to old account and request that I apply for a new account under their new revised terms and conditions. This closure has harmed my credit report because it was a card I had for over XXXX years. This is not a fair practice.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Best Buy Credit Card at a store in XXXX, CA. I was deferred but even after Best Buy called Citibank, they would not give further information. A few days in the mail I got a letter stating I was declined due to a security fraud alert on my account. Citibank never tried to call me or verify my identity. They attempted to do so while on the phone with me but could not because they were calling an old number I haven't had for over 2 years. They told me to get the fraud alert cleared and to try again in 30 days. This made 1 negative hit on my credit due to a credit inquiry that they didn't even use. The system they explained to me that they use apparently doesn't use the credit reporting agencies to validate my information, when the fraud alert specifically on my credit report said to contact what is my right number. So I took a negative hit on my credit because Citibank neglectfully refused to use the information that was directly provided on my XXXX credit report at the time. 

After XX/XX/XXXX, I applied again and was denied for already having an application in the system. I called Citibank and they said to wait a few more days. I applied again 2-3 days later and was told again that my old application was still in the system. I was told to apply again after XX/XX/XXXX because that is the date my old application expired. I applied again on XX/XX/XXXX and was deferred. I called to see if there was any issues with my application, information, etc. They declined to provide any information and told me to wait for their letter. 

Citibank willfully admitted that they did not use information that was directly included on my credit report, using some outside source that they refused to disclose. I have a strong belief that Citibank is declining my application because I had 4 applications in one month, which was because they lied to me about the timeframe I could apply multiple times. They have caused me to harm my credit part with this neglect.