23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding has continued to report inaccurate information on my credit report violated my civil rights under FCRA Section 611 ( c ). Both debits XXXX. {$810.00} XXXX. {$1300.00} show CHARGED OFF + PAST DUE + OPEN ACCOUNT. LVNV Funding has be reporting this inaccurate information for 3 years. I have trying on this platform, and via written letters to have these inaccuracy 's remove. LVNV Funding is conducting illegal activity here as well as violating my civil rights.
Product: Debt collection

I attempted to speak with the leasing company XX/XX/XXXX as I was working to recovery all balances owed so that I could setup balances due with a credit counseling company to complete my action plan directive, so that I could purchase a first home. I received a ledger signed by a XXXX XXXX rep advising the balance owed was {$1100.00}. I emailed them again shortly prior to my in person visit to confirm the balance and see about rendering the balance, and as of to date i still have not received a response, I was noticed on XX/XX/XXXX that XXXX XXXX XXXX, had forward my account to collections without communications to me regarding the balances owed/responses to call or emails. National Credit Systems , Inc. XXXX. XXXX XXXX XXXX, GA XXXX Toll Free : XXXX Phone : XXXX EMail : XXXX. 

I reached out to the collections company whom enabled me access to their site where i was able to get a brief itemized balance advising I owed XXXX when I was finally able to reach someone from XXXX XXXX after several calls on XX/XX/XXXX I was advised the balance was for damages to carpet. But according the prior ledger ( attached ) it was written off in XX/XX/XXXX. But re-added and submitted to collections shortly after my in person visit seeking the ledger so that I could remedy the balances as per my action plan for first time homeownership I pulled the documents rendered to the collections agency to find that the charges where not correct/ matching the balance due on the ledger of {$1100.00} as well as the lease or rental agreement they rendered is not me
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three 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 XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have a mortgage loan with Trustmark Bank. For over 3 months now the " Load History '' page on their mortgage website has not worked so I can not see my payment history. I have called twice and been told that it 's being worked on, but 3 months is a LONG time to wait for a crucial website to be fixed.
Product: Mortgage

We bought our house in XXXX XXXX. Our loan was with Freedom Mortgage. They offered us a lower interest rate, we closed with the new loan in XXXX. The did n't calculate the escrow correctly from one loan to the other. But, we had XXXX in our escrow account before the refinance. Now, they have tacked on extra escrow to XXXX because we did n't have enough in our escrow account to cover taxes and insurance. I thought that either they had to roll the XXXX over, or we were supposed to receive a check within 30 days. It did n't roll over and we did n't receive a check. We have reached out to them several times, phone calls and emails. One person said that they used the money to pay unpaid principal for XXXX XXXX payment?? The gentleman that told us that said he would have a supervisor contact us within 25 hours ( that would have been Saturday ) have n't heard a word. First contact was Friday XXXX XXXX, XXXX. We are very frustrated, because now we are expected to pay an additional XXXX a month, when we paid the money in XXXX. We should n't have to pay for their mistakes!
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 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 are the account. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, balance {$980.00}, not my account closed and removed from XXXX. I need it removed from Experian as well. 

XXXX & XXXX, balance {$6200.00}, account removed from XXXX and fully Closed. I need it removed from Experian as well.
Product: Vehicle loan or lease

Back in 2014 I was looking to buy a new car and I was preapproved for two loans one through Navy Federal Credit Union and one through XXXX. I was referred to XXXX XXXX XXXX in XXXX DE but they Told me that they did not carry the type of car that I was looking for but they could take me to the Auto Dealer Auction with them and I should be able to find the vehicle that I was looking for. I agreed But they said I would need to give them proof that I had the funds before they would bid on a vehicle For me. To support that I had the funds I gave XXXX XXXX XXXX both of my pre-approvals. We went To the auction a few times and then we finally found a car. To make a long story short I decided to forgo the loan and I bank wired the funds for the vehicle. After I paid for the car XXXX XXXX   still processed both auto loans without my consent. I notified the XXXX DE police and they were tried and convicted of fraud, theft, identity theft and forgery ( Case number XXXX ).
Product: Student loan

Prior to returning to school last XXXX I was making payments on my loans with Nelnet loan servicer. I had my payments set up on autopay and when my school reported to NSLDS that I had returned full-time Nelnet automatically put me in an in-school deferment without my permission and zero notification. THIS IS UNACCEPTABLE. Every XXXX of interest I have paid against this loan is GONE and has now increased and been reported to the credit bureau reducing my credit score. Student loan servicers should not be allowed to stop taking payments without the consumer 's permission or any notification.
Product: Credit card

I am being charged {$1000.00} for a credit card used in XXXX. I have NOT used the card since XX/XX/year>. That card expired. I told them It is fraud and they closed the account. However, I am still expected to pay XXXX I REFUSE to pay. I have not heard anything from them since the last letters from XXXX regarding the issue. No updates, nothing and I am worried. The credit card is from BestBuy/Citibank .
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in the reporting of my XXXX charge card account XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, under the provisions of 15 USC 1666b, which prohibits a creditor from treating a payment as late unless the required information, as specified in section 1637b, has been properly sent. The law clearly stipulates that a creditor may not treat a payment as late for any purpose unless they have provided the information as outlined under section 1637b at least 21 days before the due date. 
Upon reviewing the account details provided, I have identified the following discrepancies : Late Payment Reporting : The payment history inaccurately lists late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I believe these records are incorrect, as payments were either made on time or terms were otherwise met. Please review your records and provide evidence to substantiate these claims. 
Account Status : The account status is listed as " Paid, Closed '' as of XX/XX/XXXX. If the late payment records are found to be inaccurate, the account status should also be updated to ensure it reflects a positive payment history. 
Under the FCRA, you are required to ensure that the information you report is accurate and complete. Additionally, per 15 U.S.C. 1681i, you are obligated to conduct a reasonable investigation into my dispute and correct any inaccuracies identified.

I respectfully request that you investigate these matters and provide a written response with the results of your investigation within 30 days, as mandated by law. I
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate items in my file that resulted from problems caused by inaccurate credit information, but I still have ITEMS left that needed to be removed. This is my new attempt to dispute an inquiry in my credit file which resulted from an incorrect credit report details. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft 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 XXXXXXXX XXXX Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit report details. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

I have disputed these debts with XXXX, XXXX and XXXX 6 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The following collection : XXXX XXXX {$2300.00}, Convergent Outsourcing {$2400.00} and XXXX XXXX, XXXX {$870.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report I found some discrepancy or inaccurate information on my report I would like to provide proof the this account was pay as agreed and that i had reached a settlement amount with so company and that the report is not correct that there was XXXX balance owed after the account was closed
Product: Debt collection

XXXXXXXX XXXX XXXX  continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) HSBC credit cards ever. Both were charged off in XXXX and XXXX. XXXX continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although XXXX XXXX services admits that I only have ( 1 ) collection account, they continue to verify with XXXX  ( 2 ) collection accounts. I am asking XXXX to stop reporting the account # XXXX   They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute XXXX XXXX XXXX on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including HSBC into this complaint. Because XXXX continues to say these are different accounts. The account numbers do not match up because XXXX and HSBC use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged. 
I need from HSBC : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with HSBC, the original creditor. I NEED HSBC IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED. 
Thank you for your cooperation.
Product: Checking or savings account

Pnc will not allow me to connect my debit card to my XXXX account for the round up feature. They claim it is a security issue, yet my checking account is already connected for the monthly deposit I make into my XXXX account so it doesnt make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX XXXX and Equifax all my documents that they ask for to show that I had fraud.
Product: Credit reporting or other personal consumer reports

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and showed them that i ve been living outside the united states for over 10 years and no one responded
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XX/XX/year> ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX. 

Dear XXXX, I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit card

I bought two items from amazon. I returned both of them and amazon did not give me a credit. Disputed with chase and they gave me a credit for only one and the other they said the merchant didnt recive it. Merchant disputed both at first them keeps disputing one. I have both tracking numbers showing item was delivered back to the merchant on the same day with proof. So why am I only getting credited for one and not both. Charge in question is for {$130.00} XXXX and XXXX other one was for XXXX and it was validated after amazon said they didnt get it but they did. I have not gotten the {$130.00} back to my chase card yet. XXXX tracking number
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Checking or savings account

deposit a check {$71000.00} for escrow into citibank. Citibank blocked the account for over XXXX weeks. 
every single calls it will be under reviewed or it will be cleared in XXXX hours but never been clear and came out with all tons of excuses. it delays and interferes with all payments and activity of daily life. 
citi bank fraud department wont be able to unblock or even return the fund to the sender. 
citibank gave tons excuses the the check was not endorsed and it was and stated the sender is not active in business etc. 
the fraud department will like to talk to the sender of the check to clarify the amount and the check is correct. After all tons of processes and phone calls, saying it would be cleared again after the sender would like them to return the check. citibank has cleared the check in account but will not unblock. That is insane and don't know what is going on with citibank the hold the fund and block the account after the check is cleared by the sender. pls advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX