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

I am not a third party ..... 

I have filed a complaint and due to that complaint my credit report is not reported properly it was not investigated properly because how could it be investigated properly when I alone looked at my credit report and found at least 18 violations now I read a few laws and seen that everything is supposed to be 100 % accurate on each credit file now due to that my credit is still not where it should be it and it is hurting me more now for that up for whatever reason I would like my credit report revised and fixed. Now I would like all errors violations fixed and compensated for all violations.
Product: Credit reporting or other personal consumer reports

I requested information from Victoria Secret/ Comenity Bank for validation of prior debt and amount of previously closed and debt sold to XXXX XXXX agency. Account is appearing as open and delinquent on my credit report.
Product: Debt collection

Hello, I XXXX XXXX sent Sav-It Ent Inc a validation request to confirm the debt I owe. I received the validation letter and now want to settle this debt. I gave them a call and was told theyll do a pay to delete if paid in full but they refuse to send a letter or email confirming theyll delete. I was told we are not a letter company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days.
Product: Credit reporting or other personal consumer reports

I sumbitted a CFPB complaint regarding the accuracy of the reporting of the following account for NATLCRSYS XXXXXXXX and to my dismay they verified the reporting saying it meets FCRA requirements. However according to FRCA - The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). 

I have attached a screenshot of the reporting for the NATLCRSYS XXXXXXXX  and you will see there are major inaccuracies in the reporting Date Opened, Date, Reported, Account Status, as well as the original creditor and account closed date.
Product: Debt collection

I have disputed this debt, I know for a fact that prior to XX/XX/XXXX i had not opened any accounts since XXXX. I mailed them a letter, attached and that was first week of XXXX  XXXX. I have not heard back - i did notice my credit report now says i disputed it and it meets fcra requirements. This is not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company XXXX XXXX  XXXX, formerly XXXX refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound
Product: Mortgage

As part of opening a HELOC, TCF Bank claims that they sent me a check for {$8400.00}, which I never received. I requested that they stop the check or provide me with a copy of the canceled check, neither of which have they done. They have been charging me interest since XX/XX/XXXX on this amount. When I first notified them of the problem, their representative stated they would only reverse the interest charged after 60 days had elapsed. It is past that date but there is still no correction on their part. In addition, they have not credited a check for {$120.00} dated XX/XX/XXXX towards my account. I am also unable to view my account online because, according to their representative, the account number may have been changed without my knowledge. I have received no response or resolution despite numerous attempts to resolve this with TCF bank. Thank you.
Product: Debt collection

Good Morning, I am unaware of this debt that is being reported on my credit report. I have not had the opportunity to dispute this information, If in fact you believe you have given me proper notification, please send the certified mail receipt with my name and my signature. 

Collection company : IC System Correspondence XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXX Account XXXX Description : Individual Account Status : XXXX Closed Balance Owed : XXXX {$4100.00} Credit Limit : XXXX XXXX Creditor Type : - Banking Date Reported : - XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- XXXX XXXX CollectionOrChargeOff Revolving -- CHARGED OFF ACCOUNT XXXX XXXX -- XXXX -- CollectionOrChargeOff CreditCard Account Rating : XXXX Account Type : XXXX Closed Date : XXXX Creditor Remarks : XXXX Date Opened : XXXX Date of Last Activity : XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX Loan Type : The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! 
highlighted and circled additional areas of concern. 
Also, see the image above for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Ive I want to bring to your attention Date Reported ( - ) reporting XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! 
Lets examine XXXX XXXX ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! 
Viewing Account Status ( XXXX ) demonstrating Closed. I am reaching out to you because the content of this account does not meet XXXX XXXX Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finan
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to inform the CFPB, XXXX and XXXX that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) 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. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) XXXX and XXXX is in violation of 15 USC 1681b ( 2 ). I never given XXXX and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that XXXX and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. XXXX and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand XXXX and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by XXXX and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Product: Debt collection

XXXX XXXX XXXX contacted me about credit card debt that doesn't belong to me. They have not provided me with information on where the charges came from and even called my husband who they say is not on the account and gave him all the information like account number and amount owed and tried to get him to pay this. They say it is from 4 years ago and they are just contacting me
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXX XXXX
Product: Mortgage

We received notice after 9 months of trying to get a HEMP modification that we were approved by our mortgage company,  Select Portfolio Servicing , Inc. NMLS  #  XXXX .   We reviewed the documentation and were happy that we were approved for the 3 month trial payments and that our loan would be modified at 2 % for the remainder of the loan. We were also thrilled that our payments were now affordable.   After mak ing our 3 trial pay ments on time, we received the final modification paperwork that says the loan percentage is now 3.625 % and they want us to pay a balloon payment at the end of 25 years of {$320000.00} on a note that has a principal balance of {$590000.00}!   The numbers do n't add up to us and we feel like we are being taken advantage of ...   To make this worse, the 've given us a 10 day deadline to sign and agree.   This timeline does n't even give us an opportunity to review the modification with an attorney!   Please Help!   Thank you,  XXXX   XXXX  &  XXXX   XXXX
Product: Mortgage

Wells Fargo sold the servicing of my loan to another company sent me a letter saying they would forward all payments for 60 days. The new company didnt have my account set up on XX/XX/XXXX so I sent my payment how I do every month to Wells Fargo XXXX They didnt send the mortgage payment to the new servicer they deposited it back in my account with out any notification or explanation. I assumed this was an escrow payment or something refund. Now Im missing my monthly house payment because I used it on renovations to the house. How are they allowed to sell my mortgage and not provide any additional information. Or not follow through with what they say?
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating 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 '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. 2025-CFPB-0002 ) 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 's the accounts I reported get it now llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX Balance {$0.00} ; DISCOVERBANK XXXX Balance {$0.00} are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency. These inaccurate name, addresses and accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

So XXXX finance is reporting different information on each reporting agency, because of the incorrect information it is reporting they have already removed from XXXX and i am trying to get them to follow suit with the other reporting agencies. no help from the company to my numerous attempts. please can you help
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit account. I recently discovered that there have been late payments reported on my account, and I would like to request the removal of these late payment entries from my credit report. I want to emphasize that these late payments were not a result of negligence but rather a temporary setback that I have since overcome. BK OF AMER XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service. I kindly request that you investigate this matter and, if appropriate, submit a request to the credit bureaus to remove the late payment entries from my credit report. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I AM A XXXX XXXX AND HAVENT BEEN ABLE TO KEEP TRACK OF MY CREDT. I SAW MY CREDIT REPORT AND I COULDNT BELIEVE THESE ACCOUNTS WERE ON MY CREDIT. NOT ONLY ARE THESE ACCOUNTS FRAUDULENT ON MY CREDIT BUT I ALSO HAVE INQUIRIES THAT ARE FRAUDULENT. I UNDERSTAND THESE ITEMS HOLD MY CREDIT SCORING DOWN. PLEASE REMOVE THESE ITEMS FROM MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX notified me that I have received an " inquiry '' from Navy FederaXXXX which was not authorized from me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is supplement to my original complaint. The loans in question were rehabilitated which means that all records of default should have been removed from my report. They are breaking federal law but leaving the record of default on my account. They literally put each loan in twice in order to keep the record of default in. This is in reference to complaint XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the Credit Bureaus to investigate every piece of information on the accounts I have listed below. I also have the tracking number for the letters because i sent them certified mail so that i can be sure that they have received them. According to the FCRA the Terms " Investigate Consumer Report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that my account was verified, but how is that possible when they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX Account number : XXXX XXXX XXXX number : XXXX XXXX tracking Number : XXXX TransUnion tracking number : XXXX XXXX tracking number : XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Debt collection

Formal complaint Against ( XXXX XXXX XXXX ) for violations of 12 CFR 1006 Dear CFPB, I am writing to file a formal complaint against ( I C SYSTEMS ) for violation of multiple provisions of 12 CFR Part 1006, also known as Regulation F, which governs the practices of debt collectors. I believe the collection agency has engaged in actions that infringe upon my consumer rights, and I request your assistance in addressing these violations. 

I XXXX SYSTEMS failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt exist. 
I C SYSTEMS has failed to provide the required validation information after attempting to collect a debt under 12 CFR 1006.34 ( b ) ( 5 ) : they are to supply clear, complete, and accurate validation of debt I have not received any such information.

The collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Additionally, the collection agency appears to violate 12 CFR 1006.18 by engaging in false, misleading, and deceptive practices. They have placed this collection account on my consumer report despite their failure to provide me with accurate and lawful validation of the debt, specifically the alleged contract or the other instrument bearing my signature. This conduct and misrepresentations have created unnecessary harm to my credit profile.
Product: Vehicle loan or lease

on XX/XX/XXXX at XXXX XXXX I recv-d a call from automotive credit stating my car loan was 31 days past due. I asked how if I paid my payment on the XXXX of XXXX the amount I paid was XXXX. The rep stated I paid XXXX which I advised the amount that cleared my acct was XXXX she then back tracked and said that I had two late fees on the acct. I asked did they report to my credit because it shouldn't as my truck payment was paid she replied with a rude and condescending attitude I guess you have your answer, I requested a sup at this time. she then said one was not available and I can call back tomorrow as I went to advise I will call back today the Female rep hung up on me. I never recv-d a call or letter advising I had late fees on the acct. two the rep should maintain a professional manner at all times. Three it is not acceptable for the rep to hang up on the customer. and lastly I had submitted a due date change and was informed the late fee that would be assessed in XXXX would be waived as my new due date did not start until XXXX. My loan acct number is XXXX
Product: Credit reporting or other personal consumer reports

Checking my credit something popped up XX/XX/XXXX for XXXX  XXXX I have never applied or have a card through these people it look like its been open since XX/XX/XXXX or XX/XX/XXXX but just now popping up on my credit I called XXXX XXXX they said my ssn is not attached to anything but its showing up on my credit the amount they got approved for is XXXX XXXX
Product: Checking or savings account

I opened an HSBC premier checking account because the bank had a promotion offering {$750.00} if I made {$5000.00} in direct deposits for 3 months. I satisfied the requirement but have not received the bonus. I called on XX/XX/2020 and was told I would receive a call back by XX/XX/XXXX but never did. It's unfair for banks to lure consumers with attractive promotions and then fail to deliver on their promise.
Product: Credit card

I applied in good faith for three different business credit cards that American Express required a personal guarantee on which were denied. 

15 USC 1602 ( l ) states what the term credit card means and how it is used to obtain money, property, labor or services on credit.

15 USC 1602 ( p ) states what is an unauthorized use of a credit card in which the cardholder or consumer receives no benefit in which I did not receive a benefit.

15 USC 1691 ( a ) ( 3 ) states it is unlawful for any creditor to discriminate against the applicant when the applicant has in good faith exercised any right under this chapter.