23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX shared inaccurate credit score data with lenders, which led to denials and credit applications. I can not access my accurate credit scores online violating FCRA 605B ( 15 U.S.C. 1681c-2 ). Experian 's inadequate investigation failed to properly address my prior consumer disputes, using flawed procedures and not accurately conveying all relevant information about my disputes to the original furnisher violating 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Todays date:XX/XX/XXXX Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX/XXXX Reported : XX/XX/XXXX + {$910.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission. 
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to remove this account from all three credit bureaus after personal Check cleared the bank for payment. There is a written statement on the check which states if you cash the check you agree to zero this account out and remove from all three credit bureaus. XXXX deposited and cash that check so they agreed to the terms of written statement on the check. If XXXX account is not removed I will take them to court for not adhering to the statement on back of the check. I made copies and Im sure they can verify that as well. XXXX had 10 days to have this account removed. I spoke with the court house I can actually sue for the check amount and for punitive damages and I will if this account is not removed immediately.
Product: Debt collection

In early 2021 ( XXXX or XXXX ) I contacted navy federal trying to settle and receive information about a debt they claim I owe them. They told me the debt was charged off and that Navy Federal is no longer handling the debt and said that I could no longer pay Navy Federal for it. Via telephone on their recorded line They provided me the number to a collection agency and told me to call them to handle the debt. I did and couldn't reach anyone but left messages. I received a letter from XXXX XXXX XXXX asking for payment of debt on behalf of Navy Federal Credit Union. I responded and asked that they verify and validate the debt, which they had 30 days to do so, they sent me the same letter in the mail along with a few blank pages but nothing validating the debt in XX/XX/2021. They never validated the debt on behalf of their client Navy Federal and they both never contacted me again, navy federal said it was due to a " cease and desist letter '' that I sent XXXX XXXX, which was a formal complaint against the company for reporting falsely without validating the debt on behalf of Navy Federal. I still sent letters every month to XXXX XXXX who Navy Federal referred me to, their representation, asking them to validate the debt XXXX XXXX XXXX and they never responded them or their client. I attempted to report the collection agency with the CFPB, complaint number XXXX are claiming that they gave it back to Navy federal in XX/XX/2021 but that was the month they tried to validate the debt with the letter and blank pages and I responded XX/XX/XXXX demanding that they delete the information according to the law. By law they are required to verify the debt or promptly delete it. Navy Federal referred me to XXXX XXXX to handle this debt and XXXX XXXX failed to properly validate the debt within the 30 day time period for their client. It legally has to be removed. I tried to settle this with navy federal directly over a year ago and the referred me to their representation. This is defamation and Navy Federal should be held accountable, I should not have to go through the entire disputing process again directly through them because when I attempted to in 2021 they told me they will not be handling it and directed me to their representation and I spent over 6 months trying to get them to properly validate the debt and because XXXX XXXX, Navy Federal 's Representation/an extension of them couldn't properly validate it within the allotted time frame I now still have to go through navy federal ? They refused to handle my debt directly and I exercise my rights according to the FCRA and they couldn't validate the debt but refused to delete it after all this time they get to say now you have to directly through us even though XXXX XXXX XXXX was working for navy federal to settle the debt? please do something about this.
Product: Credit reporting or other personal consumer reports

I attempted to contact ChexSystems to dispute and remove information that does not belong to me and is adversely affecting my financial standing. I provided the neessary details and documentation to support my claim, emphasizing that the information was inaccurate and not associated with my accounts or activities.Despite my efforts to resolve the matter promptly and in good faith, I have not received any acknowledgment or response from ChexSystems, leaving the issue unresolved and continuing to impact me unfairly.
Product: Credit reporting

I found that my information was combined with another person 's on my transunion credit report, so I contacted transunion and filed a dispute about the incorrect information. However, transunion refused to correct their mistakes : there 's still an adverse account that does n't belong to me and an address where I never lived at listed on my credit report. I never had that account, never lived at that address, and my XXXX credit report does n't have such nonsense. I 've contacted transunion three times and wasted a lot of time because of this nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/2022 regarding inaccurate and unknown things on my credit report. To this day, over 45 days after, I have not received a response. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days, so they should be removed now. This inaccuracy is preventing me from pursuing my school career and is holding me back from getting approved for things I need for school. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve these issues with my credit report.
Product: Credit card

On XX/XX/year>, I made a purchase with Costco citi credit card for the amount of {$770.00} for Airbnb rental, I had problems checking in and I couldnt use the entire rental, filed a dispute after coming back from our trip on XX/XX/year> claiming my money back because the host didnt let me in. 
When I filed the dispute my credit card company told me they would give me a credit for the same amount of {$760.00} while they investigate the claim, I never received that credit, and now the investigation is done and they concluded I am responsible for the charge of {$760.00} so they reverse the credit and now because from the beginning I didnt received any credit Im paying double the amount of {$760.00}, I had contacted them several times and they just telling me the internal investigation department have to take care of that, they keep saying they send notes and email about this but no response and that that is the only way to contact them. They know I didnt received any credit they already verified but they keep telling me about that department. At this point I dont know who to contact or who to talk to. I keep track of my transactions with my credit card because I pay every month to leave it at XXXX balance and I always check my charges to match what Im paying. Please help.
Product: Mortgage

I pay my own taxes and mortgage insurance, but last year the mortgage company started writing me to say they are paying my taxes and then tacking it onto the end of my loan at 5 1/2 % interest. They opened an escrow account which is not authorized by my loan documents. I had to prove that I had paid the taxes and demanded that they close the escrow account. So they closed the escrow account but kept the money added to the principal balance of the loan. So I called and complained again because they are still taking {$10.00} out every month for taxes and insurance. Theyre reply was that they did not add that to my regular monthly payments. So they must think Im XXXX or something because I said Im sitting here looking at my mortgage loan documents and You have added it to the principal balance at 5 1/2 % interest. They want to make sure that I never pay this off because they keep adding money to the principal balance every month, they only admit they add {$10.00} to the principal balance allegedly for insurance and taxes, that I pay separately and directly to the companies. Now I have no idea how much money they have added to my principal balance every month because they would add the taxes in the insurance and not tell me then I wouldnt know it because they close the escrow account except that the principal balance doesnt change that much every month like it supposed to, according to my payments.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I.C. System, Inc. falsely told credit agencies that I owed a debt to a former landlord. They refused to provide verification of the debt when I contacted them via phone and stated that they had texted me information about the debt. I never saw a text with that information.

No debt was ever owed to the former landlord. The false reporting adversely affected my credit score in a substantial way.
Product: Credit reporting

Trans union falsely reported a delinquent account from XXXX. The account was never delinquent and XXXX sent a proof of that.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( XXXX, XXXX  OF FIRST CHARGE OFF ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : Account Name : XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

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


I have been sending disputes for the account listed in letters but the bureaus haven't gave any response regarding the investigation or the any responded back.
Product: Credit card

Sent a notice that my credit score dropped dramatically. INvestigating it shows XXXX charged on a card I have not used since XXXX. Multiple phone calls to fraud department and hung up on after an hour and no answer
Product: Debt collection

I am filing this complaint regarding an unresolved debt collection issue with **Credit Collection Services** . On XXXX XXXX, XXXX, I received a collection letter from this company, which I believe is inaccurate and invalid. 
In response, I sent a debt validation letter via certified mail on XXXX XXXX, XXXX, requesting that they validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite the certified mail being delivered, Credit Collection Services has failed to provide me with any validation of the debt, as required by law. 

This failure to respond means that the debt is invalid, and they are in violation of my rights under the FDCPA. I am concerned that this collection account remains on my credit report without proper validation, and it is impacting my credit score unfairly. 

I demand the following resolution : 1. Immediate removal of this unverified debt from my credit report.

2. Confirmation that Credit Collection Services will cease all collection activities related to this account.

3. An official response to this complaint explaining why they did not provide validation in the legally required timeframe. 

I have attached supporting documentation, including : - The collection letter from Credit Collection Services dated XXXX XXXX, XXXX. 
- A copy of my debt validation letter, sent on XXXX XXXX, XXXX. 
- Proof of certified mail delivery. 

I would appreciate the CFPB 's intervention in resolving this matter and ensuring compliance with the law. Thank you for your attention to this complaint.
Product: Debt collection

I am facing financial harassment and severe damage to my credit due to actions by the debt buyer CREDIT CORP SOLUTIONS INC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, regarding an alleged debt from XX/XX/XXXX. They are deliberately communicating with credit reporting agencies to harm my credit, which is negatively impacting my low-income family 's ability to thrive, particularly as a XXXX individual. It's important to note that federal laws, including the XXXX  with XXXX XXXX and the XXXX XXXX, provide protections for qualified individuals with XXXX. In addition, under New York law, the statute of limitations for consumer debt is 3 years. This means that creditors or debt collectors have a maximum of 3 years to attempt to collect on an unpaid debt or initiate legal action. Once this time period has lapsed, the debt is considered time-barred. The New York Consumer Credit Fairness Act ( CCFA ), which came into effect on XX/XX/XXXX, governs such limitations. It applies to both original creditors like credit card companies and debt collectors. Amendments to the New York Civil Practice Laws reinforce these regulations. Importantly, once the statute of limitations has expired, it can not be reinstated or extended, even if payments are made or acknowledgment of the debt is provided. For debt buyers and collection agencies to pursue legal action, they must demonstrate ownership of the debt and the right to sue for its collection. This entails providing a complete chain of custody for the debt, even if it has been transferred through multiple entities. Failure to prove ownership will result in the dismissal of the case. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my horrific experience.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX of Birth : XX/XX/XXXX Current and Only Address : XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I, XXXX XXXX XXXX XXXX : XXXX ), am formally submitting this letter to dispute the account below as it does not belong to me. I have no knowledge of this debt, and I did not authorize this account to be reported on my credit report. 

Despite multiple previous attempts to resolve this matter, I have yet to receive any communication or validation of this account from the credit reporting agencies or the collection agency in question. Therefore, I am demanding immediate deletion of this inaccurate account from my credit report. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX Account Type : Collection Balance : {$1100.00} Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Payment Status : Collection/Chargeoff I am requesting a full validation of this account under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), which requires you to provide me with validation of this debt within 30 days. If you can not provide valid proof, this account must be permanently deleted from my credit report. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am demanding that this account be thoroughly investigated. Since I do not have any debt with the original creditor, XXXX XXXX, the presence of this account is a clear violation of my rights under the FCRA, which protects consumers against the reporting of inaccurate or unverifiable information. 

Please confirm receipt of this letter and provide documentation proving the existence and ownership of this debt. If no valid proof is provided, the law mandates the immediate removal of this account from my credit reports with all credit bureaus. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been pretty consistent with paying my bills on time. Im saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see some items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and I have also contacted my police here and the FTC.
Product: Vehicle loan or lease

I got a loan for a used car through PNC bank. Over a year after paying the car off, they have not released the lien on my title. They claim that the lien has been released, but my county clerk is stating it still shows as having a lien from PNC. I was never sent the lien release, but instead a " letter in place of '' the lien release that XXXX XXXXounty clerk will not accept. PNC refused to sign the lease termination form provided to me by my county clerk, and instead told me I needed to visit XXXX XXXX XXXX and pay {$30.00} to a third party to have the lien release mailed to me.
Product: Debt collection

I have reached out to them multiple times since XXXX asking for information about it. I have provided with them the original letter from XXXX XXXX dated XXXX stating that this account was open fraudently, but yet LVNV Funding is has pursued reimbursement of this all the way to the point of wage garnishment. 


I appealed the of LVNV in XX/XX/XXXX and they provided them with all the items they requested, police report, original letter from XXXX XXXX, and they denied the appeal stating the reason was I was served w/notice. What does being served with notice have to do with the original creditor officially saying it is fraud and I am not responsible. 
They are just muddy the water.
Product: Student loan

I made a previous complaint with CFPB on XX/XX/XXXX, and was provided documentation on XX/XX/XXXX, supposedly to answer my questions. It did not and it only created new questions. On my XXXX XXXX XXXX XXXX XXXX, my interest balance jumped by {$7400.00} between XX/XX/XXXX, and XX/XX/XXXX. I asked for an itemization on how that interest was accrued and was told by Nelnet that they do not provide that information. I then asked for statements from the time Nelnet acquired my loans and XX/XX/XXXX - I received no statements prior to XX/XX/XXXX, and was told if no payment is due, they are not required to send statements. I could understand this IF no activity was happening on my account. However, if interest accrues and changes the balance, I believe I am entitled to a statement to track these changes and ensure accuracy. Further, payments were being made to my account, even though COVID, which Nelnet apparently thought no one was entitled to statements during this time period. I want and deserve statements showing how moneys are applied, charged and how interest accrues. Today is XX/XX/XXXX, and I have not received a statement since XX/XX/XXXX. Again, I am told they do not have to provide statements if no payment is due. This statement makes no sense, because My XX/XX/XXXX, statement shows no payment due! I want copies of monthly statements from XX/XX/XXXX, to XX/XX/XXXX. I also want a statement for XX/XX/XXXX. If Nelnet alleges they do not have these statements, I would like an itemized list of how {$7400.00} was added to my account. 
I am attaching my XX/XX/XXXX, statement showing no payment due, and the XX/XX/XXXX, response from Nelnet. Please see highlighted section of page 12.