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

I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, fraud, or unauthorized actions. I request verifiable proof of these actions, including documentation bearing my signature or electronic signature. This letter is sent on my behalf, not by any third party, and I ask that you review it carefully. 

I did not authorize these actions, which I consider a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which addresses the blocking of information due to a data breach or fraud, and Section 604 ( 15 U.S.C. 1681b ), which outlines permissible purposes for consumer reports. I have contacted the involved companies and found that these actions were initiated without proper validation or original proof from the reporting entities. 

Since I did not authorize these accounts or inquiries, I believe they are the result of a data breach or improper reporting by creditors or third-party data furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights.

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

15. U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is a credit reporting from the student loan company XXXX. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by 100 points with XXXX, TransUnion, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. XXXX should have been properly handling my payments to avoid this.
Product: Debt collection

I received a call from phone number XXXX on XX/XX/2020 from a woman identifying herself as XXXX from Convergent. She stated that she is a debt collector and this is an attempt to collect a debt. She stated that I owed some amount to XXXX and asked how I would be paying. I responded that I had never heard of her company, Convergent, and that I needed for more information about the debt before proceeding. 

I waited for the initial notice to arrive in the mail over the next couple weeks and I still have not received one. The Fair Debt Collection Practices Act provides that a debt collector must provide this within five days of its initial communication with an alleged debtor and Convergent did not do so.
Product: Debt collection

This company MCM keeps calling me. Ive asked him to stop. They dont listen to harassing me to the point to where my XXXX is at an all-time high.
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 S {$5500.00} ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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. 
Accounts that need removed due to inaccurate information is below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( three listed that I am authorized user on not owner but it is reporting late on my credit files XXXX- I was authorized user not owner but late payments are effecting my credit file negativity
Product: Debt collection

At the time of this complaint this agency is reporting a negative account to all XXXX credit bureaus. This agency 's license to collect in the state of Florida was terminated on XXXX/XXXX/XXXX. As such, this agency is illegally attempting to collect a debt and is in violation of XXXX XXXX XXXX XXXX which states " XXXX penalty.It shall be a misdemeanor of the first degree, punishable as provided in s. XXXX or s. XXXX, for any person not exempt from registering as provided in this part to engage in collecting consumer debts in this state without first registering with the office, or to register or attempt to register by means of fraud, misrepresentation, or concealment. ''
Product: Credit reporting

I was paying this card on time each month and the balance increased and I had a freeze on account and I have no idea how that occurred then each time I would call to resolve the issue so that I can continue to make payment on time because I was fixing my credit score now it 's a negative item on my report that 's affecting me.
Product: Debt collection

The issue is with Atlas credit company in XXXX, Texas they are constantly threating legal action. Every single day they go to my house knocking loud then park in my drive way and start honking repeatedly for several minutes at a time. They have also go as far as going to the neighbors and telling them that I do not pay my bills. They leave signs all over my fence and car, today they followed me in town till I got home and ambushed me telling me they needed a payment
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

HELP CHASE refuses to honor sign-up bonus points worth {$500.00}. 

I applied for a Chase Sapphire credit card because of the XXXX bonus points offer if I purchased {$4000.00} within the first three months. I applied for the card in the beginning of XX/XX/XXXX. Well, you know the saying, out of sight, out of mind. I never thought about that I had not received the card until mid XXXX when my son me if I ever got her Chase Sapphire card. 

OnXX/XX/XXXX7 we called Chase to report that my mother had never received her card. From what the customer service representative told us, the original card ending in XXXX had not been used. So she cancelled that card and issued a new, replacement card XXXX. It was mailed onXX/XX/XXXXXX/XX/XXXX. 

I am not sure what date I received the new card, but the first purchase was on XX/XX/XXXX. My first statement has an Opening/Closing Date of XX/XX/XXXX XX/XX/XXXX. I have Purchases since that first purchase that in the first three months totaled {$4800.00}, which is clearly more than the required {$4000.00} within the first three months to get the XXXX bonus points. But I never did get the XXXX bonus points, which have a cash value of {$500.00}. 

When we contacted Chase about the points, they replied by saying : After reviewing your account, we show the requirements were not met in order to receive the XXXX bonus points ... ; thus, they denied honoring their offer. I never received the first card XXXX, so I could not have made any purchases with that card within the first three months. Moreover, I did fulfill the requirements for the new XXXX card. I have subsequently followed up with Chase but received a second denial letter for the same reason.
Product: Money transfer, virtual currency, or money service

i sent the following to paypal in XXXX " On XX/XX/XXXX I was informed by Paypal that they were closing my account from sending and receiving money anymore and any money in my account will be locked for 180 days. This is unfair and I was given no reason other than what seems to be because my mother was sending me large amounts of money to cover my expenses. This is unfair and I want my account reopened or at least release my money now '' then the company responded " Company 's Response On XX/XX/XXXX, you created a PayPal account ( Account ) at which time you agreed to PayPal 's user agreement ( User Agreement ). In order to prevent fraud and help ensure the safety of the PayPal system, PayPal routinely reviews account activity. On XX/XX/XXXX, we carefully considered a number of factors that, when viewed together, indicated there was a high level of risk associated with your Account. As a result, we decided to cease offering our services to you as permitted under the Restricted Activities & Holds section of the User Agreement. We notified you of this action through email the same day. Per the aforementioned section of the User Agreement, Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. Pursuant to the abovementioned section of the User Agreement, PayPal may hold your Account balance for up to 180 days, if reasonably needed, to protect against the risk of liability and refuse to provide PayPal services to you in the future. We will make any remaining funds, less reversals, available to you on or before XX/XX/XXXX. 
ATTACHMENTS CFPB Response - XXXX XXXX XXXX ) .pdf ( 66.7 KB ) ' it has been XX/XX/XXXX already and paypal has not released my money and i can't get through to them
Product: Debt collection

I have previously disputed this debt via cfpb. Company responded XX/XX/18 that they would send a request to the original lender for accurate validation information. However midwest recovery have failed to provide such information violating FCRA. I have waited more than 30 days for them to furnish such information while they continuously illegally report the unvalidated information to the credit bureaus. I want said account removed or I will seek legal services. Do not attempt to call, email, or mail me any information. All correspondence will be via this website. If you can not upload documents to this website proving the debt is mine. Please remove from all credit bureaus.
Product: Credit card or prepaid card

The information shown on my credit report is wrong and should be updated ; this is Bank of America. Our agreement letter is attached for clarity.
Product: Debt collection

I had a credit card with XXXX. The credit limit was {$400.00} ; XXXX would not allow credit beyond {$400.00}. I honestly doubt that I had reached the credit limit when the account was closed. Never the less, Portfolio Recovery Associates is reporting that I owed a balance of {$690.00} on the account. They have failed to provide proof as to how my balance became {$300.00}. over the credit limit. Another issue I have with this company is that they are reporting this as an open account from XXXX ; when the truth is that this account was charged off in XXXX. 

I 've disputed this info with all three credit bureaus to no avail. XXXX, XXXX and XXXX is allowing Portfolio Recovery Associates to omit payment history and other pertinent info from the XXXX account which would clearly show that this debt arose in XXXX, not XXXX and the true balance. Because the agencies refuse to do a real investigation and require full/ accurate reporting, I decided to try to resolve my business with Portfolio Recovery Associates by making a settlement. 

Portfolio Recovery Associates and I agreed to settle the debt ; at which time, I paid {$380.00}, in XXXX XXXX. It was agreed that the {$380.00} dollars was the full and final payment of the debt. Notwithstanding our agreement, Portfolio Recovery Associates is still reporting the debt as an open account with a balance. XXXX credit bureau is still reporting a Balance of {$690.00} ; others are reporting a balance of {$310.00}. To add insult to injury, Portfolio Recovery Associate is reporting that balance as a " late/ missed payment. " I would like to know if it is legal to continue reporting that an account has late or missed payments when it has been charged off and settled for a lesser amount. 

I feel like this company has broken the law and the three credit bureaus have violated my rights under the fair reporting act. I can not let Portfolio Recovery Associates keep misrepresenting the nature, balance and time frame in which this debt occurred. Is there any way that you can send me a copy of the fair credit reporting act in its entirety? If I ca n't get any resolution here, I 'm going to have to take these people to court. They are purposely trying to destroy my credit with lies and no one is doing anything about it.
Product: Mortgage

Trying to make my mortgage payment on loancare.com unable to do so and customer service is no help. Won't tell me any information just that systems aren't working
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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. 


XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX  XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent my FTC report, my state license to Experian about my consumer report. I am notifying Experian that I have fraudulent information reporting on my consumer report.
Product: Credit card

I have had an ongoing issue with Chase pertaining to a late payment incurred on my credit report for a missed payment for XXXX 2015, which reported as a XXXX 2015 late payment. The late stems due to the mistake of the booking keeping service I hired to pay my bills ), who failed to submit a payment to Chase, while at the same time sent m a month end statement that showed Chase had been paid. Hence I was not aware of the missed payment. I paid the account soon as the delinquency was brought to my attention. I had called Chase and was asked by them to send them proof of this error and in turn they 'd remove the late payment under the fact that the late was due to a " 3rd party error. 

I not only sent them the letter from the book keeping service, but I also sent them a copies of my XXXX XXXX bank statements, which showed I had over {$230000.00} at the time of the missed payment ( see attached statements ). 
Chase however responded back, by simply sending me statements and claiming that the payment was not received on time and that they wo n't remove the late payment despite the fact that I have proven to them this was a 3rd party error and I had sufficient funds to make the payment ( see attached response ). Additionally, another XXXX bill of mine had fallen behind on the same date due to the bookkeeper 's error, and XXXX was more than willing to remove the late payment when I presented my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to this company several times about inquires and bankruptcy that were reported incorrectly. I have also told them about addresses that were not mine. I have spoken to the Bankruptcy office and they stated that they did not give Transunion or XXXX the information they have provided on my account. I have also spoken to the police department and they stated that they would not give me a report for any inquires. I have stated to them if I report something that is not mine, it is their job to find out why they are using my social number. Transunion states that they want me to get a police report but they will not give one for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Inaccurate Information on My Credit Report by LexisNexis Dear Sir/Madam , I hope this letter finds you well. I am writing to file a formal complaint regarding the inaccurate information that continues to be reported on my credit report by LexisNexis. Despite numerous attempts to rectify the situation through multiple letters, emails, and phone calls, I have not received a satisfactory response or seen any corrections made to my credit report.

I have diligently reached out to LexisNexis on several occasions, detailing the specific inaccuracies present on my credit report. In my last phone call to their customer service, a representative acknowledged the issue and assured me that the necessary corrections would be made promptly. However, to my dismay, the inaccurate information persists, and I am deeply concerned about the negative impact it is having on my creditworthiness.

Furthermore, it is particularly frustrating that LexisNexis has been unable to communicate with me directly due to the inaccurate information they have on file. This situation has led to a lack of progress and delayed resolution, leaving me in a vulnerable position and unable to exercise my rights as a consumer.

I hereby request the Consumer Financial Protection Bureau 's intervention to ensure that LexisNexis promptly addresses my concerns and takes the following actions : 1. Conduct an immediate and thorough investigation into the inaccuracies present on my credit report.

2. Verify the accuracy of the disputed information with the relevant data furnishers.

3. Promptly correct and update my credit report to reflect accurate and verified information.

4. Provide me with written confirmation of the corrections made to my credit report.

I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, as I have made reasonable efforts to resolve this matter directly with LexisNexis, but they have not taken the necessary actions to rectify the situation. 

I am attaching copies of the correspondence I have sent to LexisNexis as evidence of my diligent attempts to address this issue and demonstrate my willingness to cooperate. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against LexisNexis for their failure to comply with the FCRA and their continued reporting of inaccurate information on my credit report. 

I kindly request that you keep me informed of the progress of your investigation and any steps taken to resolve this matter. Please feel free to contact me at the provided email address or phone number if further information is required. 

Thank you for your attention to this serious matter. I look forward to a swift resolution and the removal of the inaccuracies from my credit report. 

[ Enclosures : Copies of previous letters and emails to LexisNexis ]
Product: Mortgage

I was asked by the homeowner, who has a mortgage serviced by Ocwen Loan Servicing to facilitate a short sale because her home remains under water. She has exhausted all possibilities to obtain mortgage relief under HAFA, HAMP, etc because her mortgage is not FHA, XXXX or XXXX. Her interest rate remains relatively high and she pays taxes and insurance separately. This mortgage started out under Homecomings. The home was listed for sale XX/XX/XXXX and most recently obtained a favorable offer at list price which still represents the need to do a short sale. All docs required for a short sale review were emailed and/or faxed to Ocwen between XX/XX/XXXX-XX/XX/XXXX. I was sent a message via XXXX by Ocwen to accept the short sale negotiation task which I did during this timeline as well. The borrower as well as myself have complied within 24hrs of all of Ocwen 's requirements and I received a notice from Ocwen that the home is being Auctioned. All parties, mainly the homeowner has a HUGE issue with this because she still lives in the home, is current on the mortgage, has obtained an offer at the marketed list price while Ocwen has NOT performed the required BPO or appraisal on the home, has not reviewed the offer nor completed the short sale guidelines based on my experience with Ocwen previously but yet has put the homeowner at a great disadvantage because advertising this home as an Auction on the internet totally jeopardizes her safety ... especially in this neighborhood! Upon my conversations with XXXX Ocwen representative today, neither of them could provide reasons for an Auction when they currently have a completed package, per their guidelines, to review. I was told that the " investor '' requested the auction. However, no value has been issued by Ocwen neither has the offer presented been reviewed or a counter issued by Ocwen or the investor. I am very concerned about these fraudulent practices especially when the borrowers account reflects over {$1400.00} in late charges from XX/XX/XXXX when the existing mortgage rate was raised to 11 % and foreclosure notices were issued. The interest rate was reduced to approx 8 % currently which grossly exceeds the market interest rate and Ocwen refused to eliminate and cease to collect on late charges that accumulated during the review and resolution time period and continues to grow.
Product: Credit card or prepaid card

I am owed multiple refunds that have been issued by XXXX. Navy Fed initially tried to absurdly match them up to unrelated transactions for completely different refund amounts. I have submitted an avalanche of receipts and paperwork showing the owed refunds, to submit and substantiate my claims. No provisional credit has been issued and my refunds are still missing, with absolutely no explanation given from Navy Fed. They only have worked on finding why NOT to give me my money and things to eliminate from my claims. They have been unresponsive, and ultimately I never got any of my owed refunds. It is the most bizarre and concerning thing. I can not speak directly with the person mishandling my claims and they do not appear to have any type of escalation department I may speak with.