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

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Balance : {$230.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$390.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the XXXX XXXX information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX : {$1000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX : {$710.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Credit card or prepaid card

Capital One Card Still showing after bankruptcy, I have tried contacting Capital one directly and used a credit fix company.
Product: Mortgage

I got the home mortgage past-due amount and tried to get the mortgage modification with the mortgage company. It took more than 6 months to make it, and now I got the letter to go to the foreclosure suddenly. So I made the request to them to give several months of grace time to sell my home to avoid the foreclosure, but they did not say to postpone the foreclosure date. The current home price is much higher than my borrowed amount for home mortgage. So I just need a graceful time to sell my home and payback all of the borrowed amount to the home mortgage company.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XX/XX/2023 Cap One Na Reported an inquiry on my XXXX and XXXX report that I did not authorize. I am filing this complaint so this can be fixed and removed immediately Thanks
Product: Credit reporting or other personal consumer reports

Subject : Escalated Complaint Regarding Inaccurate Reporting of Cancelled Debt by XXXX XXXX To Whom It XXXX Concern, I am filing this escalated complaint regarding the inaccurate and misleading reporting of a charged-off account by XXXX XXXX ( Account ending in XXXX ) on my credit report, despite the issuance of a Form XXXX documenting the cancellation of this debt. 

Key Issues and Violations XXXX. Failure to Remove Cancelled Debt from Credit Reports : XXXX XXXX issued a Form XXXX for this account, indicating that {$3200.00} was cancelled as of XX/XX/year>. According to IRS regulations, a XXXX signifies the cancellation of a debt, which should also be reflected in credit reporting. However, the account is still being reported as charged off and outstanding on my credit report, which is inaccurate and misleading. 
XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy in their reports. Reporting a debt as both cancelled and charged off is inherently contradictory and fails to meet this standard.

15 U.S.C. 1681s-2 ( b ) : XXXX XXXX  has not taken reasonable steps to correct or update inaccurate information following my dispute. 
XXXX. Misrepresentation of XXXX XXXX : The issuance of a XXXX constitutes an identifiable event of cancellation, as outlined in IRS XXXX XXXX. Therefore, continued reporting of the debt as outstanding or charged off misrepresents its legal status, potentially violating the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ). 
XXXX. Harm to XXXX : This inaccurate reporting is materially harmful to my creditworthiness and ability to secure credit, as the account continues to appear derogatory despite the cancellation. 

Requested XXXX I respectfully request that the CFPB : XXXX. Investigate JPMCB CARDs compliance with FCRA and FDCPA regulations. 
2. Require JPMCB CARD to instruct credit reporting agencies to remove or update the reporting of this account to reflect the debts cancellation.

3. Provide written confirmation that the inaccurate information has been corrected or removed from my credit report. 

Supporting Documentation To support this complaint, I have attached : A copy of my initial correspondence to JPMCB CARD requesting the XXXX form. 
JPMCB CARDs response, including the issued XXXX form. 
My credit report showing the continued reporting of this account as charged off. 

Contact Information Full Name : XXXX XXXX Address : XXXX Hacks XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone Number : XXXX Email Address : XXXX Please address this matter promptly and provide a resolution within the mandated timeframe for investigations. I reserve the right to pursue legal remedies under applicable consumer protection laws for any continued inaccuracies. 

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

Vystar has reported this account to the CRA without my consent causing me problems for my bettering my future as well as being denied for any credit. It is against consumer law to report to the Credit reporting agencies and without my consent. I have never given them any written consent to share my PERSONAL information to any third parties.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a recent data breach. These accounts were opened or reported without my knowledge or consent, and I believe they are the result of fraudulent activity. 
Please ensure that the following accounts are blocked, deleted, and marked as " fraudulent '' on my credit report : Accounts to be blocked and deleted : 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 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  : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has resulted in numerous fraudulent inquiries and one unauthorized account on my credit report. These were added without my knowledge or consent. 

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 I have filed a report with the Federal Trade Commission XXXX FTC ) regarding the identity theft, and I am requesting the immediate removal of these fraudulent entries to ensure my credit report is accurate.
Product: Mortgage

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XACTUS XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 - Mailed Multiple request to remove invalid inquires XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX none were removed
Product: Debt collection

one day I saw that I lost XXXX points on my XXXX account a debt collector National Credit ADJU trying to collect on a debt that I do not owe them nor do I have a valid written contract agreement with a wet ink signature I am a natural man, I am a living human being, under 15 U.S.C.1692g it's no validation of debt that's one of the violations also another violation is 15 U.S.C.1692e false an misleading representation breaking these laws under FDCPA as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. They took adverse action against me and reported a collection to the credit bureau Section 808 ( 1 ) of the Fair Debt Collection Practices Act and Regulation F prohibit debt collectors from charging consumers pay-to-pay fees ( also known as convenience fees ) for making payments a particular way, such as by telephone or online unless those fees are expressly authorized by the underlying agreement or are affirmatively permitted by law 15 U.S. Code 1692f - Unfair practices, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : This false entry has caused my credit score to plummet close to XXXX points. I reached out to the collection agency and was advised that they would look into the duplicate payment nothing happened this caused a negative impact on my finances and life leaving me with higher interest rates and denied an extension of my credit which caused an adverse action under the law I have rights under 15 USC 1681A ( K ) 1
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps posting in accurate data to my credit report. I have complained about this numerous times and as you can see from the documents attached the first delinquency dates are the same theyre not mismatched. XXXX XXXX XXXX is maliciously posting an accurate data which is not fair consistent and accurate based on the fair credit act. Also XXXX XXXX XXXX is posting under comments the word medical on one account but not the other another violation of the fair credit act
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Acct # XXXX ( Rent Recovery Solutions ) XXXX XXXX XXXX/XXXX DOB : XX/XX/XXXX SSN:XXXX Dear Sir or Maam After careful review and legal counsel of my credit report/reports and conferences with the U.S and State Attoney General Offices informing them that I have never conducted any transactions with ( Rent Recovery Solutions LLC or their subsidized affiliated companies ) pursuant to the Texas Finance Codes : Chapter 392 or others codes Texas Property Code or Texas Business Codes I assume they will and continue to violate these applicaional laws if not contested in a court of jurisdiction of my State conferring of Texas or under Federal Law I am having a legal problem with Owner XXXX XXXX President & , XXXX XXXX   XXXX to-wit whom are an alleged owner of a XXXX Georgia base Collection agency based out of XXXX XXXX XXXX XXXX , GA XXXX USA primary residents and business mailing/address is purportly XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, GA XXXX. My complaint to the OAG is that this company purports to have obtained some form of leasing contracts with us the consumer of a consumer debt for charges un-validated or unauthorized by contract laws of the State of Texas thur the credit bureaus under Federal Law and refuse to present evidence of any debt in direct violation of the The Fair Credit Reporting Act ( FCRA ), 609 & 611/ 15 U.S.C. 1681 & 1982 and in addition is in violation as being a non-registered collection agency in the State of Texas Finance Code 392.101-305 this company has presented unauthorized misrepresented credit reporting material to the bureaus and needs to be audit and prevented from conducting unapplicatable law at a State & Federal Level we will also pursue this matter with the FTC. Further after extensive search this company is not authorize under law to conduct collection activities under the Texas Finance Code 392.101-306
Product: Credit reporting or other personal consumer reports

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via TransUnion, XXXX, and XXXX. I have always lived at XXXX XXXX XXXX XXXX XXXX. Someone illegally obtained my information and opened fraudulent accounts and used XXXX XXXX XXXX XXXXXXXX which I have NEVER lived in that XXXX  unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on TransUnion and XXXX as I am able to lock/freeze my report now. 

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 Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( transunion, XXXX, XXXX ) XXXXILLEGAL/FRAUDULENT CREDIT CARDSXXXX XXXXTransunion, XXXX, XXXX XXXX XXXX Bank Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in XXXX as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent XXXXILLEGAL/FRAUDULENT CREDIT CARDSXXXX XXXXTransunion, XXXX, XXXXXXXX  Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Product: Mortgage

I closed my loan and noticed they had charged a late fee. when in fact all my payments were on time and were paid through Auto ACH debit which done through their system
Product: Debt collection

I have recently become a victim of identity theft, and I have filed a report with the Federal Trade Commission ( FTC ). The report numbers for your reference are as follows : XXXX and XXXX. As a result of this identity theft incident, I have identified discrepancies in my credit report that require immediate attention and resolution. I am requesting a thorough investigation into the inaccuracies present on my credit report, with the aim of rectifying any fraudulent entries attributed to the identity theft. The details of the disputed accounts are as follows : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete these fraudulent accounts ASAP.
Product: Credit reporting or other personal consumer reports

Late XXXX, I lost my job and want to emphasize that before this hardship, I had never once been late on my mortgage payments since the inception of my loan in XX/XX/XXXX. In fact, when I foresaw potential difficulties, I proactively reached out to Freedom Mortgage seeking assistance through a hardship forbearancebefore my account ever became delinquent. However, I was informed that I could not be placed on any hardship program until after my account was already delinquent. This policy left me in an impossible position, as I was trying to stay ahead of my financial obligations but was denied assistance until I had already fallen behind. Despite the fact that I had impeccable 100 % credit payment history and amazing credit I was still denied help as the lender refused to work with me. 

After sending request letters for good will adjustments and having them ignored, today I spoke with a woman named XXXX and she advised per the law that they could not make good will adjustments but per the consumer protection laws and the advice of the Consumer Financial Protection Bureau those predatory actions are illegal and punishable as lenders are required to work with borrowers facing hardship before pushing them into delinquency. 

I'd also like to include that countless times I have paid more than what was due on my mortgage payments.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX consistently responds within 24 hours of 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 responsible investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. This is the account that I have marked inaccurate. 
Top Line Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX {$3300.00} Continues to report
Product: Money transfer, virtual currency, or money service

XX/XX/2022 Fraud/Scam {$350.00} $ XXXX  My phone was left open in a public space. The individual who uses the cash app username XXXX  sent themselves {$350.00} via the Cash App without my knowledge and/or permission/consent. XXXX was never a friend of mine, was never a contact of mine before the transaction or after the transaction. I do not know who this person is and i did not authorize anyone to send themselves money. I did not send someone who is not in my contacts {$350.00}. 

Cash app can not prove that i did authorize this transaction. They have failed to provide any proof. 

I was scammed and I have communicated with them multiple times this was a scam. 

Cash App Support has refused to assist in any manner. The only solution Cash app has offered is to request a refund back from the person who sent themselves the money! Of course they have rejected every request. Cash app has provided and sent my bank false and misleading information so I can not work with my bank on this matter. The bank took the false information from cash app and closed out their investigation. The only support cash app has offered is to request the money back from the person who stole the money. They have blocked me on cash app. Cash app has no protection to prevent this but they have solutions for the scammers to block you and disappear. I have requested the money back multiple times and each time has been rejected. This person was not a contact of mine further evidence this was fraud!!! There is no password that protects the app nothing!!!
Product: Mortgage

I called into the company to get a rate quote. They gave me a rate quote that seemed like the pricing was quite a bit higher than normal. I told them I wasn't liking the fees, but send me a loan estimate so I can see what everything was involved. That was Friday XX/XX/XXXX. It is Monday and I was given an option to use a text number for the agent to communicate. Now all of a sudden they say I wasn't eligible for a mortgage so they will NOT send out a loan estimate. Before I said i didn't want to pay all of those fees they said everything was ok, but the fees were high. Now that I said I don't want to pay the fees, they say I was ineligible and will not produce a Loan Estimate. The loan officer will not give me a supervisor 's number and when I called the 800 number, I couldn't get a hold of any supervisor. This is frustrating and should be illegal to run credit and not provide a loan estimate because they didn't like the terms. Tomorrow is the third day legally they would need to supply the loan estimate, but from the non-response of the loan officer, I do not think I am getting one.