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

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. I saw on a Credit Site and Board where this lawyer said you have XXXX  days to complete this investigation ( I did a deput XX/XX/2022, XX/XX/2022 ) As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 

Accounts Account XXXX : XXXX Account XXXX please remove it from my credit report. 
Account Name : XXXX XXXX XXXXXXXX v t Number : XXXX please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX remove it from my credit report. 
Account XXXX : XXXX Account XXXX : XXXX please remove it from my credit report. 
Account name : XXXX account XXXX remove it from my credit report. 
Thank you for your time and help in this matter.
Product: Debt collection

I called to reach a negotiation from ASSETCARE Debt Collector and asked for a confirmation. The agent was very rude over the phone and asked me to be quiet while she talked. And while I tried to explain myself, she hung up on me.
Product: Debt collection

My name XXXX XXXX, a Federal protected consumer, and I am making this complaint against SOURCE RECEIVABLES MNG for committing identity theft. I have never given SOURCE RECEIVABLES MNG any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until SOURCE RECEIVABLES MNG can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MNG continues its collection efforts, I will file for litigation for actual damages caused and SOURCE RECEIVABLES MNG will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft, by deception, securities fraud and mail fraud and provide me proof your license to collect in my State. Upon the receipt of documents herein and of this notice, you are hereby notified, Pursuant UCC 1 - 202f. Your Prompt attention and response are both requested and required. Account # XXXX
Product: Mortgage

My wife and I began the home buying process late XX/XX/XXXX. It is now mid XX/XX/XXXX and we barely just got an appraiseXXXX out to our house a month ago. ( Which was 7 months into this ). We can never get a hold of the mortgage company XXXX XXXX XXXX XXXX  in XXXX, KY XXXX she ( XXXX ) never calls us back she never has definite answers for us as to whats taking so long. We have paid all the fees. we have provided all the documents that weve been asked for and we cant get any further in the home purchasing process. We have called her 3 times a week with no returned call or answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account was paid off and company agreed to delete upon payment. Account is still on my credit file. 
XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date last active and date last reported is different and I ask for it to be removed due to its inaccuracy. 
XXXX. ) Inaccurate credit inquiries which I did not request and do not have and account. I have previously requested them inquires to be removed, however, the credit companies have ignored my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was rebuilt for two to fraudulent transactions one in the amount of {$380.00} and the other one in the amount of {$150.00} and these two transactions a Fraud a Capital One/Walmart have failed to dispute these two transactions they holding me responsible for some fraudulent transactions and I need this to be rectified after I have tried to to no avail resolve this with capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account and inquiry that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX -LOUISIANA XXXX Date XX/XX/2020 2020
Product: Checking or savings account

I contacted Chase Bank on XX/XX/XXXX to submit dispute on one of my transactions. 
I disputed transaction in the amount of {$14.00} because I returned my merchandise to the merchant personally and the merchant supposed to process a credit for the same amount. However, the credit has not been processed by merchant or by Chase bank and no credit was posted to my checking account ending in XXXX. Therefore, I expected that Chase bank will conduct thorough investigation of the disputed transaction and will be able to resolve this dispute to my satisfaction. They accepted my claim on XX/XX/XXXX and issued me a temporary credit in the amount of {$14.00} and advised me that if they found that the transaction was processed according to the information I provided or authorized, they will reverse temporary credit. 
On XX/XX/XXXX, Chase provided me update on the status of my claim and informed me that they found transaction was processed accordingly or was authorized. Therefore, they will be reversing a temporary credit. I called Chase Dispute Department to request the information they used to conduct their research and explanation. They advised me that they contacted the merchant, and they received response from the merchant that transaction is valid. Chase requested from me a receipt showing the proof that merchandise was returned, and they will be presenting to the merchant to act on my behalf. I advised the representative that I do not have a receipt anymore since it has been over 2 months since transaction date. Then, they said I must contact merchant directly to resolve dispute. I advised them that they should represent me as a customer and help me to resolve this dispute. They did not even offer me to provide any proof they received from the merchant that allowed them to make decision to deny my claim. 
This company made deceptive decision against the claim, and I feel that I should not be treated this way. I have neither merchandise nor money because of their fair decision ''
Product: Credit card

I had send complain since last XXXX but I dont get any clarity. I get fraud due from Citibank fraud ( marketing through social media - XXXX  ). 
Citibank still insist ask me to pay for transaction done by the fraud.
Product: Credit reporting or other personal consumer reports

I recall applying for a line of credit but due to the undisclosed fees and interest rates, I declined the loan. I am trying to purchase a home and this loan ( that I declined ) comes up on my credit report as if I owned money on the loan. I have called the XXXX XXXX several times to see if they can remove this horrible and harming debt from my credit report and they refused. I was advised that the bank is unable to locate the loan so they can not remove it. I called again and spoke with several rude representatives like XXXX XXXX ; that gave me a website : XXXX to dispute the line credit but that website wants me to pay {$90.00} to dispute something that should have never been reported. I am at my ends- wit because I am about to lose my lender on my home- if i can not get a letter to show that the debit is not valid or have the company remove the debit before I close on my home on XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was sold to another company and the mortgage payment went from arouond {$520.00} a month to over {$1000.00} a month. Is this legal? I have tried to get information as to why the change has occurred but no one can tell me why the payments have doubled. I have been fighting with the new lenders since XXXX. Now my mortgage is in jeopardy of foreclosure. I 've been with XXXX XXXX since the loan was taken out in the XX/XX/1990 's and now they sell my mortgage and I 'm getting punsihed for it.
Product: Debt collection

I have not idea what this debt is. I tried to contact National Recovery and they said they sent info once ( which I never received ) and will not sent anything again to verify the debt. How am I just going to pay money to them if I do not know that this really is a valid debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. The XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX account # XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I sent Debt Validation letters to these debt collectors and they failed to provide me a proof that they authorized to collect these allege debt. attached the USPS tracking and the validation letter i sent to them. PLEASE DELETE THESE COLLECTION ACCOUNTS!
Product: Debt collection

I have contacted Lvnv funding LLC several times in an attempt to get validation of debt. I never received anything validating the debt but yet the credit bureaus keep reporting that the debt comes back verified. The only communication I have received is an attempt to settle for  XXXX  instead of a full balance of {$310.00}.
Product: Debt collection

Hi My name is XXXX XXXX. I am contacting the CFPB today in relations to the account Nissan Motor Acceptance on my XXXX and XXXX credit report that is posting inaccurate information on my credit report that is severely hurting my score where I can not go for a mortgage loan. This account was never a debt collection or charge-off nor did it have any late payments whatsoever. I would like to see the verifiable information that XXXX and XXXX are claiming that this company is sending to verify these late payments as this account has been on time and paid in full. Whereas the account is inaccurately reporting across these two bureaus with no balance or loan amount or past due amount so I'm so confused. However, what I do know is that this account is current and up to date and no payments were late. So if inaccurate past due or late payments amounts isn't fixed I will look to proceed with legal action because I don't deserve as a consumer to have my credit played with as I worked hard to get my credit to where it is currently at.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  has updated the following account on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 and 611, XXXX, Transunion and XXXX  have violated my consumer rights by not adhering to the law. Section 611 ( 5 ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. Contract law states that the only way to contest an affidavit is to respond another affidavit. According the black law dictionary an affidavit, a written or printed declaration or statement of facts, made voluntarily, and confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, Transunion and XXXX  failed to respond to my previous sworn statement of dispute affidavit with a another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;. Furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from my credit profile. 
Please immediately permanently delete the following the accounts from my credit profile under the FCRA Section 609, Section 605B, Section 611 and FCDPA Section 809. 

XXXX Account # XXXX Opened- XX/XX/XXXX {$4900.00} XXXX Account # XXXX Opened- XX/XX/XXXX {$610.00} XXXX XXXX XXXX  XXXX Opened- XX/XX/XXXX {$240.00} Account # XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX {$4600.00} XXXX Account # XXXX Opened XX/XX/XXXX {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian several times to have the XXXX XXXX ( XXXX XXXX XXXX ) dispute resolved and the dispute commentary removed from my credit report. The Experian employees have continually told me that the account is not in dispute and that there are no dispute comments in the comments section of the XXXX XXXX XXXX  account, but I have printed my report on Experian and XXXX and I am seeing that the account still has dispute commentary in it. I can not obtain my mortgage with any dispute comments on my credit report. Experian and their inaccurate financial reporting with regards to the dispute are preventing me from being a first time homebuyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

United States District Bankruptcy Court XXXX XXXX  Filed Filing Date XX/XX/XXXX XXXX XX/XX/XXXX Reference Number XXXX XX/XX/XXXX this bankruptcy came off my XXXX Credit report but is still on Transunion and XXXX. Please erase off these credit bureaus.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The accounts reporting to my credit report do not belong to me. The accounts are : XXXX XXXX XXXX opened XX/XX/XXXX {$25000.00} XXXX XXXX opened XX/XX/XXXX {$3700.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX {$8900.00} I have attached an FTC report ( report number XXXX ). I also have attached a FCRA 605B ( 15 U.S.C. 1681c-2 ). I am asking that XXXX, Transunion, and XXXX remove or block these accounts from reporting to my credit report within 4 days of receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my installment loan in full to XXXX XXXX  on XX/XX/2021 on XX/XX/2021 my credit score decrease 68 point due to late payment of over 120 days. I contacted XXXX XXXX  they said It is false information In their records everything was paid on time. I then contacted Trans union the credit agency that lowered my score and they said they received the info from XXXX XXXX. I contacted XXXX XXXX  and the rep said there was not anything they could do on their end only trans union can fix the issue. I called Trans union once again and was told they will look into it and put in a dispute which can take up to 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to ignore fraudulent accounts that do n't belong to me. They refuse to properly investigate and continue to ignore information that was provided to them in terms of fraud affidavit and police report. Also Equifax has inserted positive accounts that do n't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several dispute letters sent to Company and Credit Bureaus. Company has not responded to anything including CFPB complaint ( s ) : XX/XX/XXXX [ # XXXX ] XX/XX/XXXX [ # XXXX ] Company is reporting old information and Michigan Statue of Limitation on Credit Card Debt is 6 years. Once the statute of limitations has passed, the debt becomes time-barred, and the creditor can not sue you to collect it. This account was open on XX/XX/XXXX and updated on XX/XX/XXXX stating that Consumer is 90 days late on XX/XX/XXXX & XX/XX/XXXX BUT Closed & Last Activity on XX/XX/XXXX and Charged Off on XX/XX/XXXX. The clock starts ticking when you fail to make a payment and it can be reset if you make a partial payment. Per Consumer Report the last FAILED payment was XX/XX/XXXX. 

All of these dates are inconsistent and the company has made several violations : 1. XXXX Consumer account by reporting the date of the last activity instead of the date of the first delinquency-FCEA Section 605 ( c ) - {$1000.00} Fine 2. Limit on Collection Time Barred Debt-12 CFR 1006 26 ( b ) Prohibits a collector from initiating or threatening to bring a time barred collection action. 
3. Refusal to correct information after being provided proof of accuracy.-FCRA Section 623. XXXX v Transunion Corp. US Court of Appeals for the third Circuit Court Case XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX, Filed ( DC XXXX XXXX ) 4. Failure to respond to Consumer written disputes within 30 days-FCRA Section 611 Part ( A ) ( 1 ) - {$1000.00} Fine 5. Failure to report disputed debt to credit bureaus-FDCA Section 807 ( 8 ) - {$1000.00} Fine 6. Failure to validate debt-FDCPA Section 809 ( b ) - {$1000.00} Fine 7. Failure to validate and report to Credit Bureaus-FDCPA Section 809 ( b ) - {$1000.00} Fine 8. Report Consumer credit inaccurately-US Court of Appeals XXXX Circuit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- {$1000.00} Fine 9. Failure to report disputed debt as disputed debt to credit bureaus-FCRA Section 623- {$1000.00} Fine
Product: Credit reporting, credit repair services, or other personal consumer reports

Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXl XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account on my Experian credit report that should have been removed and Experian won't remove it. 

The account was opened on XX/XX/XXXX and is beyond the 7 years for removal, and they won't remove it. 

The report stated closed and charged off, which I told all credit bureaus that was wrong and that I paid it as agreed The report also states that a payment of {$120.00} was paid on XX/XX/XXXX, which was not made by me, so that is wrong as well The account also states it was updated in XXXX of XXXX, which is fraudulent and using it to keep it on my credit report The account also lists that it was over 180 days late in XX/XX/XXXX, but wasn't charged off until XXXX of XXXX There's a lot of misinformation going on here and I just want it removed. 

I don't have any late payments or derogatory information on any other credit bureau accounts, including Experian If Experian is not willing to remove it then I would like to file a lawsuit against them for deformation of character and causing hardship by having me denied credit Upon removal I would also like them to send the new information to any credit I applied for within the last year
Product: Credit reporting or other personal consumer reports

Hi i have XXXX XXXX  card and on my credit stating i was late XX/XX/2024 and XX/XX/2024 and thats incorrect
Product: Credit reporting or other personal consumer reports

all fraud accounts XXXX XXXX XXXX XXXX XXXX  not my accounts naver open
Product: Debt collection

Company refused to validate the debt with documents bearing my signature. I am unsure how they received my private medical information and have reason to believe my HIPAA rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, please help me with my concern. I saw XXXX XXXX XXXX on my credit report and I have late payments ( XX/XX/2019 and XX/XX/2019 ) in my payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax were failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes furthermore, Equifax actions may also contravene the consumer financial protect ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file No. XXXX XXXXXXXX XXXX ) against them for similar violations. I request at the CFPB take action to ensure Equifax complied with the federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked as an accurate XXXX XXXX XXXX XXXX acct # XXXX, XXXX  XXXX  acct # XXXXXXXX XXXX XXXX acct # XXXX