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

I have been reaching out to the Dep of Education for months trying to update/correct inaccurate items on my credit reports. First, I contacted the credit bureaus and they replied back that the accounts were accurate and reporting correctly. Everytime I contact them I keep getting the same response but my credit reports shows differently. I have several accounts reporting from the Dept of Ed and all of these accounts are reporting inaccurately. According to the FCRA, all information on your credit report should be reporting 100 % accurately or it should be removed from my credit reports. The laws are clearly being broken and my rights as a consumer has been violated more than once.

All accounts reporting from the Dept of Ed are inaccurate ... missing incomplete account numbers, inaccurate late payments that does not match my records, closed accounts still reporting balances, inaccurate account balances just to name a few violations that are constantly being overlooked but they still reporting inaccurately to my reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

GREETINGS. 
I PAID {$2000.00}. payment. They applied XXXX to interset and {$100.00}. to prin. 

They are not applying payment correctly.
Product: Payday loan, title loan, or personal loan

I am a XXXX year old XXXX XXXX veteran who was hospitalized in XX/XX/XXXX. I was also laid off work, and needed to get caught up on my rent. I contacted Net Credit to obtain a loan for {$5500.00} in XX/XX/XXXX. 

I was initially made aware of the interest rate as being a little over 16 % APR. I've been making my payments on time for well over a year, and have paid {$5800.00} to date. 

I contacted Net Credit on XX/XX/XXXX to ask about the status of paying off my account, and was informed that I am having to pay over {$11000.00} to borrow {$5400.00}, making the total go well into the {$16000.00} range until XX/XX/XXXX. 
A representative informed me toward the end of my call ( after hearing my distraught ) that I could close out my account that day if I paid {$4900.00}. Also, I was informed my interest is 57.81 % My account number is XXXX, and my name on the loan is XXXX XXXX ( I had a name change after divorce. ) I feel that I was deceived with a predatory loan, as I was not made aware in plain view, up front, of the amount I would have to pay to borrow money. Had I have known that I was going to be forced to pay three times the amount I was trying to borrow, I would have sought assistance elsewhere. 

I am working in law enforcement now, and am considering filing bankruptcy to resolve this issue. I would really appreciate some help with this, and I can prove that I have paid more than I have borrowed. I do not want this company to do this to others.
Product: Debt collection

XXXX XXXX calls every two hours despite my notifying them I could not make the payment at this time. Below is the last email I sent : Your records will indicate I have accepted responsibility for the late payment and trying to resolve. Calling my house every two hours and hanging up before I can answer does not help and would seem to violate Fair Debt Collections Act. Accordingly, I have blocked the number which is my right as a consumer and will update you when I have new information. 

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

Dear XXXX XXXX XXXX, I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies ( XXXX, XXXX, and TransUnion ) have been notified on several occasions since 2018 regarding the falsely reported delinquency listed on my credit report by XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX deals in unethical business practices and has, for years, preyed on consumers by finding loopholes to create negative impact factors to sway consumers to them for financing since they are XXXX of few major companies that have high interest products dedicated to poor credit consumers, especially XXXX XXXX  consumers. 
In 2018, I contacted XXXX XXXX XXXX to ask if I could get an extension on my payment and I was told by their representative that since this was my first request, they would defer the XX/XX/2018 payment to the end of my loan and my payment history would not be affected. I was so appreciative because I had an unblemished payment history on my credit report and a steadily climbing credit score. That was until the next month when I received an alert that there was a delinquency from XXXX XXXX XXXX appended to my credit report for missing a payment accompanied by a XXXX point decline in my credit scores. I immediately contacted XXXX XXXX XXXX and asked them to pull the phone records to confirm the specifics of the conversation. I asked them to accept my payment and reverse the delinquency. They refused and have been fighting to keep that recording and the specifics of that conversation private ever since. Not only is this unethical business practices, but it is also credit discrimination in an attempt to reduce my creditworthiness to potential creditors forcing me to do business with XXXX XXXX XXXX. 
Since that date, they have consistently reported this delinquency that they fraudulently created by misrepresenting the specifics of the arrangement which would have never been entered into had I known my payment history would be affected. Logically, if someone says that the payment will be deferred to the end of your loan, technically the payment is not missed ; it's simply added to the end of the loan term. Therefore, I assert that this misreporting has affected my credit report for far too long and I wish to have this missed payment removed and my payment status updated accordingly.
Product: Credit card or prepaid card

I just received an email from Comenity ( the servicer for my XXXX  XXXX  credit card ) threatening to cancel my card and report the cancellation to credit bureaus if I do not make a purchase by XX/XX/XXXX, since I have not made a purchase since XX/XX/XXXX. I understand their right to close my credit account, but the tone of this communication is very threatening. I called Comenity and closed my account, but I am very disappointed in these tactics, especially in this time of economic downturn. 

Excerpt from email : Keep your XXXX XXXX Credit Card from being closed with only one purchase. 
Were Comenity Bank and we handle everything related to your XXXX XXXX Credit Card account. 

You may not realize it, but your XXXX XXXX Credit Card account hasnt been used since XX/XX/XXXX. Thats why were planning to close your account on XX/XX/XXXX. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE REQUEST FOR XXXX RE : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX It is my belief that the information on the consumer report is reporting inaccurately or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation. 
Please verify this information is reporting accurately or completely. I am disputing the Date of last payment and open date XX/XX/XXXX. 
Once verified please send a copy of my credit file. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is incorrectly reporting that I have caused six ( 6 ) inquiries into my report during the past two years, a fact that in completely wrong. 
I found that information through XXXX credit monitoring who uses that agency for credit reporting. This is obviously affecting my ratings as I make it a point to not have many personal accounts open. I do pay all my accounts on time and do not seek additional credit, do not accept the XXXX offers that are sent to me on a regular basis. 
The objective is to correct the errors and issue a corresponding score consistent with the facts.
Product: Debt collection

I received a total of 8 phone calls over 3 days. 1 call on XX/XX/23, 5 calls on XX/XX/23 and 1 call on XX/XX/23. Ive asked before to not call during certain times. I called back today and the representative was very rude and hung up in my face so I filed a complaint within the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed payments with XXXX XXXX XXXX  YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI
Product: Debt collection

there is an account in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX  account # XXXX date opened XX/XX/year> 2023
Product: Mortgage

Mortgage servicer was maintaining a rolling late fee accumulation while payments were being made on time. This resulted in the accumulation of {$2700.00} in late fees. There are XXXX occurrences of late fee charges that ranged from {$0.00} to {$860.00}. This accumulation began on or about XXXX of XXXX. 
Mortgage servicer was negligent in maintaining a sufficient escrow account minimum and a monthly funding amount to prevent shortages. This resulted in numerous escrow advances to occur to cover shortages in paying property taxes and home owners insurance. In the process of repaying the escrow advances, the mortgage servicer misrepresented the distribution and allocation of regular monthly payments to repay these escrow advances thus resulting in classifying the mortgage payment as being short. This forced a suspension of remaining funds from the mortgage payment and a late fee to administered. There were XXXX different occurrences of escrow advance repayments processed totaling an amount of {$3500.00} from XXXX of XXXX to XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX OF XXXX XXXX
Product: Debt collection

In XX/XX/2011, I developed a XXXX and found myself in numerous emergency rooms. In every case, I asked if I would be held responsible any costs of treatment, that they had other programs available that would take care of any cost for my visit. I was told that the main importance was that I receive the proper medical care for my XXXX. I just discovered that this Emergency hospital visit has been deferred to a collection agency.
Product: Checking or savings account

On Monday XX/XX/2021 my husband and I filed our taxes with XXXX. At the end we were told by the assistant that we owed {$190.00} for our federal taxes so we paid that amount then. After paying the {$190.00} we were asked to provide payment for the IRS. Perplexed we told them we just paid that. That is when they informed us that we paid for XXXX software which was not disclosed to us. XXXX XXXX formed us they could not provide return and to take it up with our bank. So I got ahold of Chime and explained the situation and they filed a dispute on my behalf. On XX/XX/2021 I finally recieved a provisional credit. On XX/XX/XXXX I recieved an email from Chime stating that they found an error did occur and they are finalizing my credit to my account in the amount of {$190.00}. Fast forward to a XX/XX/2021 and I recieved another email from Chime telling me that the made a final decision on my dispute and found no error occurred and that they would be reversing the provisional credit to my account. Today XX/XX/XXXX chime did just that after trying to tell them they can't reverse a final payment. So I am now negative {$190.00} in my chime checking account and I feel this is way way out of line and regulations.
Product: Credit card or prepaid card

I was alerted by Chase about suspicious activity on my credit card account on XX/XX/XXXX, via phone, email, and text message. I immediately confirmed that the transactions were not authorized and my card was canceled, I was told that I was going to be issued a new card and that a fraud investigation would be opened. 

I was notified by Chase on XX/XX/XXXX, that I would be responsible for the charges because they were not found to be fraudulent. The transactions were for {$300.00} and {$240.00} within minutes of each other on XX/XX/XXXX at XXXX # XXXX, which is in XXXX XXXX, Michiganover 100 miles from my house. I have never been to that XXXX, and I have never been to XXXX XXXX. I did not make those purchases. 

I had been previously notified by Chase about potentially fraudulent activity on my account : {$48.00} on XX/XX/XXXX. These purchases were actually made by me, from XXXX. I have attached the email receipt from XXXX as evidence that it was actually me. I do not have any order history with XXXX for the other purchases ; those were not made by me. 

I have been made responsible for {$540.00} worth of purchases that I did not make. This is not fairit 's theft, and I have not been able to get in touch with anyone at Chase to discuss this. I would like my account to be credited for {$540.00}. The letters I received from Chase say that I " received a benefit from the transactions '' ( not sure what this means ) and that my fraud claim was " researched thoroughly. '' I am not sure how this is possible without discussion with me. 

I also notice that this has been reported to credit agencies and that the investigation has been closed. This is disappointing and I would appreciate some more clarity on why Chase thinks : This was actually me who made the purchases when it was Chase who initially flagged the transactions as fraudulent. 

I received a benefit from the transactionwhat does this mean? What benefit? Paying {$540.00} for a purchase I did not make is unfair. 

This claim was " researched thoroughly '' what does this mean? What research did you do? Did you contact XXXX store # XXXX in XXXX XXXX, Michigan to verify the transaction? 

I would appreciate a response and a resolution to this. I have attached communications from Chase about these transactions.
Product: Debt collection

I sent a letter asking to reinvestigate the accounts listed below I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
Credit Collection Service # XXXX {$XXXX} open dates are not reporting correctly, the date last active, date of last payment is not correct, wrong spelling of my name, charger offs, incomplete account numbers, inaccurate information, closed account. 
Credit Collection Serv XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Can you look into this matter?
Product: Credit reporting or other personal consumer reports

Im very upset that my information continues to get breached and spreading on the dark web. Im getting fake emails thats probably an attempt of fraud or hacking. There NO protection of my information yet I have to provide my information to you. Im getting mail for people that dont live at my address yet youre associating me with those people. Im requesting ALL of this false information to be removed and SECURED! If bureaus are unable to protect my identity and information then I shouldnt have to provide it to you. How do I know my identity hasnt been stolen?????
Product: Credit reporting

My XXXX and Transunion reports are saying that I am utilizing over half of the available credit I have, because they are reporting that two of my cards that have a XXXX balance, still have the balance prior to my paying them. What 's odd is that right after I paid these two cards off, my credit score reflected as such. Now they are reporting the inaccurate amounts again, and it has caused my credit score to plummet down and cause me to be unable to qualify for a private student loan to finish school. I need this fixed, as soon as possible.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against CKS Prime Investments , LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against CKS Prime Investments , LLC for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** CKS Prime Investments , LLC has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that CKS Prime Investments , LLC ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** CKS Prime Investments , LLC has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by CKS Prime Investments , LLC XXXX and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between CKS Prime Investments , LLC , and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of CKS Prime Investments , LLC. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX