23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XX/XX/XXXX and today, XX/XX/2016, it was brought to my attention that XXXX issues remain on my credit history that should have been removed at least several months ago and as far back as two years or more : XXXX and XXXX. It should be removed from my credit history because it has lowered my credit score tremendously. Why do these credit directories refuse to remove erroneous information from my credit history?
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent Capital Services responded to my complaint with CFPB stating LVNV Funding LLC was the owner of the account. They also stated they sent me printed copies in which meets FDCPA. I never received any notices regarding this allege account prior to my dispute letter from Resurgent Capital Services and/or LVNV Funding LLC . This company has violated my consumer privacy rights. According to 16 USC 1681 they are required to report accuracy and correct information on every line of of my consumer report. The information they are reporting on my consumer report is inaccurate and incorrect. I want you to know I'm aware transactions and expericences are illegal to report on a consumer report according to 15 USC 1681a ( 2 ) Exclusion- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
They have failed to provide me with a copy of any viable evidence, bearing my signature, that I have a contractual obligation to pay Resurgent Capital Services/LVNV Funding LLC . My federal privacy rights have been violated. They provided a printed copy of an alleged credit card statement and stated it was verifiable ( see attach ). As per FDCPA Section 809 ( b ), FTC opinion letter from Attorney XXXX XXXX XXXX, I believe they are fully aware that a printout of a bill or itemized document does not constitute verification. 
CFPB you know the documentation Resurgent Capital Services submitted with their response does not meet FDCPA. I haven't received a response from you as of yet. You are to protect us as the consumer. 
I XXXX this business and learn both entities were sued in a class action suit in which just closed as of XX/XX/XXXX. Both of these companies ( same owners ) are third party debt buyers. I have been trying to dispute this allege account for years since XXXX! I'm more knowable now of consumer laws. I'm looking forward to suing this company for violating my privacy rights. This has damaged my credit and still is. Also, the inconsistency on my consumer reports. In letter they stated the allege account open XX/XX/XXXXXXXX  ; charged off XX/XX/XXXX. However, my consumer reports show the allege account open XX/XX/XXXX. Also, this comapny act as if they are invetigation this dispute however it shows on all of my consumer reports that it meets FCRA. This is illegal!
Product: Credit card or prepaid card

I am a Chase Sapphire credit card customer in good standing. 

On XX/XX/XXXX I booked the following tickets on Chase Travel site : Itinerary # XXXX - XXXX to XXXX ( XXXX XXXX ) I used XXXX XXXX to pay for it. 
Itinerary # XXXX- XXXX to XXXX ( Alaska XXXX ) I used XXXX XXXX to pay for it. 

In XX/XX/XXXX, these flights were canceled because of Covid-19 pandemic. 
XXXX XXXX and XXXX  XXXX issued airline credits for the above flights. 

XXXX XXXX credit {$310.00} ; Issued for itinerary # XXXX XXXX  XXXX credit {$210.00} ; Issued for itinerary # XXXX I was informed that the XXXX XXXX credit was valid till XX/XX/XXXX Refer to Screen Shot XXXX at XXXX PM attachment - the Chase rewards website also displayed the same. 

On XX/XX/XXXX I called Chase travel to use the airline credit, they told me a different story. 
XXXX XXXX the agent supervisor ) informed me that the credit had already expired in XX/XX/XXXX and I can not use it. 
The case number S # XXXX XX/XX/XXXX at XXXX PM I have a recording of this call too. 

Furthermore, I noticed that Chase has fraudulently changed the expiration date of the XXXX XXXX credit to XX/XX/XXXX. 
Refer to screenshotScreen Shot XXXX at XXXX PM The company is not allowing me to use the credit at all now. They claim that the credit has already expired even though the site still shows ( even after the fraudulent change ) XX/XX/XXXX as the expiration. 
Backdating expiration dates should be illegal. Imagine mortgage companies backdating your mortgage payment date...
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act Bankruptcy XXXX XXXX account number XXXX, has violated My Rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, 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 XXXX  XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 reporting, credit repair services, or other personal consumer reports

Hello, I am having issues with fraudulent activity with my credit. I believe that someone with tried to run my credit with four different companies. The companies are Citi Bank, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I have contacted these companies and they do not have anything on their records indicating that my credit was ran and informed me that there is nothing they can do about it. Citi bank was the only company that said they will send an email to Equifax stating that I did not give them permission to run my credit but Equifax says they never received anything.
Product: Credit reporting or other personal consumer reports

I am formally disputing the XXXX XXXX account reported on my credit file. After conducting a detailed review, I have identified numerous compliance issues that do not meet Metro 2 standards and compromise the integrity of this data. Due to these unresolved issues, I am requesting the immediate deletion of this account from my credit report. 

Compliance Issues and Inconsistencies : 1.Inconsistent Payment Status : Equifax and XXXX report this account as Charge-off, while XXXX lists it as Unpaid balance reported as a loss by credit grantor. This inconsistency in reporting charge-offs across bureaus violates Metro 2 standards, which mandate uniformity in reporting. If XXXX XXXX can not ensure consistent reporting, this account should be removed. 
2.Conflicting Last Updated Dates : The last updated date for Equifax and XXXX is reported as XX/XX/year>, while XXXX shows XX/XX/year>. This discrepancy demonstrates a failure to maintain accurate and timely reporting, further violating compliance standards. Given the lack of data integrity, this account should be deleted if an accurate last updated date can not be verified. 
3.Erroneous 2-Year Payment History : The payment history includes contradictory delinquency statuses across months and bureaus. For example, multiple months are marked as Charge-off ( CO ) inconsistently, with other months showing various delinquency levels like 90, 120 days late, or Not Reported ( NR ). This erratic reporting undermines the reliability of this account and fails to meet the standards of accurate, clear, and compliant data reporting. 
4.Irregular Derogatory Events : Equifax lists 30, 60, and 90-day late payments spanning various months, whereas XXXX and XXXX do not reflect these derogatory events in the same manner. Such discrepancies indicate a lack of consistent reporting and further demonstrate non-compliance with Metro 2 requirements. Given these irregularities, the account can not be deemed accurate and should be deleted.
Product: Mortgage

On XXXX XXXX, 2015, I applied for the Home Loan Modification Program. I submitted the required information per the Mortgage Assistance Checklist, per Chase. I copied and mailed the application packet to Chase. Once Chase received my application package. A rude representative called me and asked for verbal financial budget estimates over the phone, when she had the information in her hand. She also asked for another copy of my check stubs that she claimed she could not read. I found the initial process to be indifferent and suspect. On XXXX XXXX, 2015, I received the completed review. I was given XXXX OPTION- a standard short sale? Really? I requested a modification and/or forbearance, due to financial hardships and future uncertainties. I was proactive, while foreseeing a job loss. I have no desire to sell my home, nor am I in the foreclosure process. I am proactive in pursing foreclosure prevention options. 

Chase said, " we 're unable to create an affordable payment equal to the required percentage of my reported monthly gross income without changing the terms of my mortgage beyond the modification program 's requirements. '' I reviewed the documents further, and noticed that Chase made incorrect calculations. On the application, SECTION XXXX : Net Present Value or Eligibility Data showed my monthly Gross income and Montly Net Income as {$0.00}, respectively. It also, show my total housing expenses as {$0.00}. 

According, to SECTION XXXX : Contact, Dispute and Appeal Information Section, I filed an appeal. I mailed an appeal letter to Chase ( Mail Code XXXX, XXXX XXXX XXXX, XXXX, La ). I have not received a response or any communication on the status of my appeal letter. 
Currently, I am temoprailry unemployed and requested Chase to reconsider.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX : # XXXX, # XXXX, # XXXX, # XXXX. 

XXXX XXXX : # XXXX. 

XXXX XXXX  : # XXXX. 

XXXX XXXX : # XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX. 

XXXX XXXX XXXX XXXX # XXXX. 

XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  Bankruptcy discharge : ref # 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 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: Student loan

I have had XXXX private student loans with Sallie Mae since XXXX. These loans were reportedly, by Sallie Mae, paid on time, until late XXXX. Payments of {$50.00} a week were sent, which more than covered the agreed amount due each month. 

For 6 years, Sallie Mae only applied the exact amount due each month to the loans, and placed the residual funds in some sort of overpayment account. The loans, for some reason, started to turn up past due, and I discovered that more than five thousand dollars were sitting with their company and not applied to my loans. I was charged interest on a higher principal amount than I should have had. Their company promised that the payments would be corrected, but only after mailing a notorized letter to their company. The excess funds have been applied, after much time spent working with the company to fix the issue, but the problem still persists with my payments showing up as past due. 

I now would like to pay these loans in full, which Sallie Mae requires contact by phone to receive a payoff quote. I have tried to call for 3 consecutive days, and have been on hold for over 4 hours, and I have still not been able to speak to anyone with their company so I may pay these loans off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dates of inquires. Almost daily. I put fraud and security alerts buy my credit is still being ran almost daily.     Also, A deleted account for {$2500.00} for  XXXX  reappeared even after the first dispute, they could n't verify the debt and it was  deleted.now it  reappeared thru same collection agency even tho they did n't verify debt in 30 days as stated in FCRA.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXXXXXX XXXX XXXX, account number XXXX, has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. The solution I am seeking is to have my payment history corrected so that it accurately shows that all payments were made on time, without any late marks. These erroneous late marks are negatively affecting my personal credit, and it is essential that they be addressed promptly.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a recent identity theft victim. Have been trying to get in contact with Equifax since Monday XX/XX/2019 in order to establish an account to freeze and unfreeze my credit file. Customer service is not helping me correct the problem. They call me back after waiting quite sometime only to transfer me back into the automated recorded loop, forcing me to wait again to speak to someone or I get told to wait 24 hours to attempt to create a password. What they're doing is wrong. 
For three days now I've been trying to establish a password for a myequifax account and nothing is being done. I'm beyond aggravated. Today is XX/XX/XXXX and I'm still fighting with this. Eight calls so far this morning alone. It's a joke to them.
Product: Credit reporting or other personal consumer reports

I purchased a car from XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XXXX XXXX. XXXX XXXX was my sales person for the day. The car was XXXX I agreed to put XXXX down make XXXX payments then pay the rest off once the tags come into the dealership. I never received my tags after multiple attempts regarding the car and the money I was paying I still hadn't receive a call back or email. I decided XXXXo drive to the location and there was a empty lot. No cars no sign of cars or a dealership ever at the location. A police seen me looking around and stopped and informed me the dealership was in some type of legal activities and they vanished. I was giving information to take to Texas XXXX and the police filed a report with me. We later found out the car was never registered with the state or was there any proof I purchased the vehicle .Due to me having the proof on my end from the day of the sale we was able to find out the car was on the pro selector list and I was able to soon get my title after a 2 years of fighting with multiple people.
Product: Mortgage

My mortgage was transferred to Shellpoint in XXXX XXXX. I am unable to refinance my home due to a mortgage gap Shellpoint has created by not properly reporting the payment history from when Shellpoint began servicing the loan. Shellpoint began servicing my loan on XXXX/XXXX/XXXX and I was notified XXXX that my loan would be transferred from XXXX XXXX XXXX. When I checked my credit report recently, I saw that Shellpoint was quoting $ XXXX past due entirely inaccurate. I called Shellpoint starting in XXXX XXXX and ascertained that the payment history from previous loan servicer, XXXX XXXX XXXX, was not reported accurately. I faxed over a ledger of detailed payment history from XXXX XXXX XXXX for years XXXX, demonstrating accurate and timely payment history. The representative said she would escalate to a department that handles that and would get back to me within a week. After about 10 days, she reported that the department she escalated to was not the right department and did not have an update for me yet. I faxed over additional information from my bank demonstrating that payments for XXXX were delivered and cashed by former servicer and should be acknowledged by Shellpoint. Moving into XXXX and, I had three phone calls with XXXX, the representative, and two phone calls with her supervisor. I was told that I would have a detailed ledger showing updated payment history and new past due amount. That ledger was still in accurate and not showing all payments made to prior servicer. On XXXX XXXX, XXXX, I faxed over copies of previous servicer 's statements from XXXX and XXXX, demonstrating the mortgage payment amounts ( {$3600.00} and {$3600.00} XXXX because the representative said their accounting department thought my mortgage payment to prior servicer was the same amount as Shellpoint 's {$4000.00}. 
It is now XXXX and I 'm out of bankruptcy. Even with a XXXX XXXX XXXX XXXX XXXX showing a past due amount to Shellpoint claimed and paid, I have yet to receive an accurate accounting of my payment history. Additionally, Ive made two mortgage payments recently and received no receipt of payment, no statement, and no updates to my online account. 
And finally, although I am eligible for an XXXX XXXX, without an accurate accounting of my mortgage history, I can not access the refinance option provided by XXXX
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudulent account on my report .plese remove these accounts from my report they are hurting ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Follow-up Dispute of Collection Account Request for Method of Verification To Whom it May Concern, I am following up on my previous dispute on ( XX/XX/XXXX ) regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agencys failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) & 611 ( A ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) & 809 ( A ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required my FCRA & 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I have identified several accounts and credit inquiries on my credit report that I did not authorize or open. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I applied for an auto loan with Wells Fargo. To my knowledge, the loan was approved. For the last three years, they have been taking the monthly payment from my checking account ( with my approval ). On XX/XX/XXXX I  received a letter from Wells Fargo Auto Finance indicating my loan had been declined. I contacted Wells Fargo and was told that " It might be an error ''. I asked for a letter stating that and was told that could n't be done. 

It makes no sense that three years AFTER the loan application AND taking the monthly payment, that I should receive such a letter. Nor does it make any sense that they will not put in writing that this is a mistake. 

I contacted the Office of the Attorney General for the State of Minnesota. They have sent a letter to Wells Fargo and strongly encouraged me to contact you as well. 

I 've included the two-page letter from Wells Fargo, dated XX/XX/XXXX and the first invoice I received, showing the first payment was due XX/XX/XXXX.