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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX IN ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1300.00} ; XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX : {$2500.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistency responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the FCRA, 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Here is the following accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent accounts immediately. 

XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following items immediately : XXXXXXXX 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: Debt collection

Dispute with XXXX for negative effect on credit for services not rendered or incomplete, equipment returned to facility. 

XX/XX/XXXX. XXXX service installation appointment made XX/XX/XXXX XXXX technician tried to install service ( unsuccessfully ) XX/XX/XXXX ( same Day of install ) all equipment returned to local facility due to incomplete new service or install. representative stated that was all that was needed and account will be credited and deactivate. 
XX/XX/XXXX, XX/XX/XXXX statements continued from XXXX for a amount of {$830.00} owed. 
XX/XX/XXXX contacted XXXX customer service they state equipment is missing XX/XX/XXXX notice of account in collections for amount of {$740.00} XX/XX/XXXX sent certified mail letter to XXXX XXXX in regards to this matter. 
Continued notices for collections and certified mail with copies of equipment returned and dates provided. 

XX/XX/XXXX notice from XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXX XX/XX/XXXX notice from XXXX XXXX as of XX/XX/XXXX i am still receiving notices in collections. 

This is an ongoing issue i have tried to fix this issue several times but accounts keeps changing in hand to a different collections agency. I again returned equipment to local facility, person at facility stated that was all that needed to be done account will be deactivated and credited. This was all with in 30 days of new installation or service, technician had difficulty installing service in the home, installation Issue was never resolved. 

This has effected my credit rating and score negatively.
Product: Checking or savings account

Please reference my previous complaint XXXX. Fifth Third Bank has again sent me more unsolicited physical mail which they said they would no longer do. My original correspondence I believe was on XX/XX/year> and they repeatedly promised to cease their unrelenting unsolicited marketing mail barrage, however they've been proved to be liars as I've received yet another piece of mail. I didn't want to have to complain on here again but they have forced my hand.
Product: Credit card or prepaid card

On XX/XX/22 XXXX22 Several charges and transfers as well were made on my account online as well as in post office in XXXX XXXX and XXXX XXXX  money orders in a row on XXXX and XXXX of XXXX. CHIME Bank is denying my claim
Product: Debt collection

I have been contacting LVNV about a {$690.00} collection that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. they have closed the account on one bureau, deleted from another bureau, and showing on equifax. This is illegal ; and needs to be DELETED from my credit bureaus.
Product: Debt collection

I am filing this complaint regarding my interactions with XXXX XXXX XXXXXXXX XXXX over a disputed debt. When I contacted the company to negotiate a settlement on XX/XX/year>, they demanded to know the source of my funds, despite my current unemployment status, and refused to proceed with negotiations unless I disclosed this information. Additionally, they are attempting to collect an amount higher than the original balance, including a {$95.00} fee that was never previously disclosed. They insist that I pay the full amount or XXXX payments exceeding {$4800.00}, which I believe is inaccurate. 

Furthermore, after I formally requested a debt validation letter on XX/XX/year> under the Fair Debt Collection Practices Act ( FDCPA ), they initiated legal proceedings which have yet to be assigned a date, against me instead of providing the requested validation on. This action appears to violate the FDCPA, which requires debt collectors to validate a debt upon request and cease collection activities until the validation is provided. 

Their unwillingness to negotiate in good faith, the imposition of undisclosed fees, and their failure to comply with the FDCPA are unfair and unlawful. I am requesting the CFPBs assistance in addressing these violations and ensuring fair treatment in this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Every time I encountered some type of time with hardship. I would never get approved for a payment plan. Because of this, the company would stack on more and more late fees while knowing I was going through a hardship. The company was not fair and understanding of my situation to help. My main concern was always tp try and pay and not to have negative reporting.
Product: Credit reporting or other personal consumer reports

Kohl 's reported my account 60 days late. I am on the phone with the Kohl 's credit employee now. She states that I am not, and haven't been, 60 days late. She can not answer why it was reported 60 days late, or why I received a letter stating that my account is " delinquent ''. This rep did confirm payments made, but also said that my payments are {$45.00} shy of being " current '', and that this is causing a backlog of 40 days. I asked how I am {$45.00} shy if I pay the minimum payment through the app ; and I paid twice in XXXX. She confirmed that I do make payments through the app, according to what the shown minimum payment is, and that she can see XXXX payments recently in XXXX. She confirmed again that I am not 60 days late. This employee 's ID and name are below, as well as her department. 

XXXX - ID XXXX- Collections with Kohl 's Kohl 's will not answer why they incorrectly reported me as 60 days late. They will not tell me why I am considered {$45.00} shy of the payment to stay current, despite making the minimum payments shown in the app. 

XXXX transferred me to her team lead : XXXX - ID XXXX - Team Lead XXXX XXXX  XXXX XXXXXXXX XXXX ) XXXX stated that the payment due XX/XX/XXXX was received on XX/XX/XXXX. She stated that my payment was not received in XXXX, so Kohl 's reported it 30 days late. This is not legal. XXXX confirmed that she would open a Credit Bureau Reset, wherein Kohl 's can decide if the information that Kohl 's reported was inaccurate. I asked her what the appeals process was, in case Kohl 's decided that Kohl 's didn't have any errors. XXXX gave me an address for a " Credit Bureau Dispute ''. I asked if that was for a credit bureau, or if it was another Kohl 's department. She confirmed it was a Kohl 's department. 

To summarize my talk with XXXX, Kohl 's reported inaccurate information. Kohl 's will then get to review their own report. If Kohl 's doesn't think anything is inaccurate, I can appeal ... to Kohl 's. XXXX could not state which, if any, outside agency would be part of the appeal process against Kohl 's. 

To summarize the entirety : Kohl 's reported my account " delinquent ''. I have bank statements showing payment dates, confirming it was not delinquent. XXXX confirmed payments can be seen, and I am not delinquent. XXXX stated that I am {$45.00} shy of being made current, despite my paying what the app states for minimum payments. XXXX transferred me to her Team Lead, XXXX, who stated she would open a Credit Bureau Reset, which Kohl 's completes themselves. If Kohl 's found that Kohl 's did not report inaccurate info, I can appeal to a Credit Bureau Dispute, which is also managed by Kohl 's. There is no accountability outside of Kohl 's for inaccurate reporting.
Product: Credit reporting or other personal consumer reports

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I opened my account ending in # # # in XXXX and this card with BOA has been my longest line of credit. I have been diligent in payments and have several other accounts with BOA. 
XXXX XXXX XXXX I legally changed my name and requested BOA change my name on my accounts and re-send me new credit cards reflecting this. I received my debit card and other credit card with the new name on it, but this credit card was re-sent with my old name still on it. I requested a second one be mailed with the corrected name. Again, it came in the mail with the incorrect name on it. 
XXXX XXXX I had closed my account with XXXX XXXX and they had a standing balance of - {$84.00}. They provided me a refund of that amount on XXXX/XXXX/XXXX which was deposited into my bank account on XXXX/XXXX/XXXX. XXXX then incorrectly had that I owed them {$84.00} even though my account should have been closed and {$0.00} at this point. They INCORRECTLY sent me to collections. 
XXXX XXXX BOA sent me a check for {$1.00} because I had over-paid my credit card balance and this was to put me at {$0.00} for this account. 
On XXXX XXXX I received a letter from BOA stating that they CLOSED this account citing a collection account appearing on my credit file. There was no warning or route to dispute this claim. 
I attempted to dispute this with the BOA employee XXXX in XXXX in which he pointed me to check my credit. I then contacted XXXX, disputed the collection account on my credit and cleared that issue up ( See XXXX 's letter and XXXX 's letter stating this dispute had been resolved attached ). 
I then worked with another BOA employee- XXXX XXXX on XXXX/XXXX/XXXX to request that this credit line be reopened due to the fraud/disputed claim being taken care of. I received attached letter from BOA stating that " we were unable to approve your request to reopen the above referenced account because the terms for this account are no longer available ''. 
I submitted on XXXX/XXXX/XXXX that this be reviewed and reversed due to XXXX and BOA 's error and not my own fault. CASE ID XXXX. 
1. This account was closed in error 2. The issues cited as to why it was closed were in error and have been handled and fixed to the best of my knowledge.
3. This was my longest line of credit that is being affected and as a long standing customer and on-time payer- this has taken time and effort to fix something that was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Miscellaneous ), XXXX XXXX  ( Miscellaneous ), 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 agenecy can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reports from all three ( 3 ) agencies have multiple wrong addresses listed for the Students for XXXX XXXX XXXX. I called XXXX and I've emailed a copy of the attempted changes to XXXX and the wrong addresses are still listed.
Product: Credit reporting or other personal consumer reports

I am disputing the XXXX XXXX XXXX XXXX XXXXXXXX bankruptcy entry on my credit report, filed in XX/XX/year>. This information is inaccurate and outdated. I have previously requested its removal due to errors in the reporting, but no proper validation of the bankruptcy has been provided. Despite this, the item remains on my credit report, harming my credit score.
Product: Mortgage

This mortgage loan servicer ( Gateway Mortgage ) gives misleading information. Initially I was told that my mortgage payments could be pushed to the end/back of my mortgage loan, due to the loss of unemployment ( no fault of my own ) ( Covid related layoffs ) ( cut back from company, However the customer service representative from Gateway Mortgage I spoke with today told me a different story. She said I could defer payments for a few months. However, she said the payments for all missed months would be due at that end of the deferment/forbearance. This is not assisting customers by demanding full payments, especially if there was a loss of all income. I will have to reach out to my congressional leaders. Senators and have them investigate this matter if needed. These mortgage companies are supposed to be assisting the borrowers, customers. You are not assisting them if you are not deferring payments to the back of the loan. I can't pay 3 months up front if I specifically stated I lost my income. I was the primary wage earner. The XXXX of the company is XXXX XXXX ( This mortgage loan servicer ( Gateway Mortgage ) gives misleading information. Initially I was told that my mortgage payments could be pushed to the end/back of my mortgage loan, due to the loss of unemployment ( no fault of my own ) ( Covid related layoffs ) ( cut back from company, However the customer service representative from Gateway Mortgage I spoke with today told me a different story. She said I could defer payments for a few months. However, she said the payments for all missed months would be due at that end of the deferment/forbearance. This is not assisting customers by demanding full payments, especially if there was a loss of all income. I will have to reach out to my congressional leaders. Senators and have them investigate this matter if needed. These mortgage companies are supposed to be assisting the borrowers, customers. You are not assisting them if you are not deferring payments to the back of the loan. I can't pay 3 months up front if I specifically stated I lost my income. I was the primary wage earner. The XXXX of the company is XXXX XXXX. ( XXXX ) Perhaps he needs to be contacted about this matter. Or I'm sure he'll hear from my local congressional leaders if I contact them. I had a similar situation with my previous mortgage loan servicer. I reached out to my Senator and his office investigated the matter.. Perhaps he needs to be contacted about this matter. Or I'm sure he'll hear from my local congressional leaders if I contact them. I had a similar situation with my previous mortgage loan servicer. I reached out to my Senator and his office investigated the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX