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

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Checking or savings account

XX/XX/23 I went into citi bank branch XXXX XXXX, XXXX XXXX, NY XXXX to deposit a check of {$3100.00} due to my mobile deposit limit being {$2000.00}, they locked my online access and the funds in my account, i traveled almost 6 hours out of my way to go to the nearest branch to deposit it. wasted time, gas, money just for them to hold my funds hostage. I cant travel back to a branch like theyd like me to due to them holding all my money. Im getting the run around and im ready to get a lawyer.
Product: Credit card

XXXX of 2014, I was behind on my payments. I was awarded proceeds from my divorce. Before divorce, former spouse was the only source of income. I contacted Citi, in regards to me account. During the phone conversation, I requested for the late charges, as well as as late remarks on credit reports to be reflected as " never late ''. The customer service rep agreed to this. I then commenced to pay the back charges, and the account was " reinstated ''. From that date forward, this account has since been paid and closed. I decided to close this account, due to personal reasons. I have received several mailings, from this company, as well as my request for an an investigation, as per the Fair Credit Reporting Act. I received a letter stating they will no longer communicate with me. This, to me, is their way of stating " We got your money. Have a good day. '' I am highly offended by their comments to my latest request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I have been trying to get my free Anual Credit Report online. They have been making it extremely difficult to get. I tried online, they then asked me to call. They hung up on me 3 times after I input all my information by phone. Then they said they would mail it to me. I needed it on my computer. Then I received an email from Experian saying that they could not process my request and that I need to send them a phone book worth of info in the mail before they can send me a report. BUT ... if I want to purchase a report immediately I can go to their website and sign up for a fee. This is very fraudulent! I have always received my Free Anual Credit report yearly, without a problem. I feel like they are making it very difficult so that I will have to pay for it. 

Thank You!
Product: Mortgage

My wife and I received a call from a person identifying herself as XXXX XXXX, an employee of HSBC Beneficial and employed in the Underwriting Department. She contacted us regarding an offer to modify our loan and faxed us XXXX pages of information describing the process. The information we received stated that our monthly mortgage payments would be reduced by several hundred dollars as well as the interest rate. The information stated that we would first have to make 3 trial payments of {$880.00} beginning on XXXX/XXXX/2015. The next 2 payments would be due on the XXXX of the month for the same amount. I asked XXXX XXXX for an address in order to give to my bank to set up the payments. She stated she would call us back XX/XX/XXXX to give us the address to send the payments. It sounds too good to be true since we had just completed a modification a few months ago with HSBC. I also had difficulty understanding the person I spoke with because of her foreign accent. Can anyone shed some light on this?
Product: Debt collection

I have received numerous calls from Southwest Credit Systems from phone number XXXX ; they have called 10 times repeatedly at XXXX XXXX. for a XXXX XXXX. I called the company and stated they have the wrong phone number, the first customer service person hung up on me. I then called back again and told them they had the wrong phone number and to remove my number ( XXXX ). They again called back at XXXX six more times. As I was writing this I just received another 5 calls from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2019 a hard inquiry was ran on my credit by XXXX XXXX XXXX XXXX XXXX. I have contacted the global fraud department for that company and equifax and XXXX as well. XXXX XXXX XXXX has no record of pulling a hard inquiry on my credit report and equifax will not help me unless I file this complaint. XXXX XXXX XXXX has also not helped and gave me false information about a reference number from equifax that does not exist with equifax and none of the agencies are helping me nor have a record of my hard inquiry being ran on XX/XX/2019. I have know where idea where to go from here thank you Regards, XXXX XXXX
Product: Mortgage

I have problem to submit mortgage payment since   XXXX   XXXX     until now   XXXX   XXXX    . The bank BPPR :  Banco Popular of  PR never contact me. I received a letter from a legal firm on   XXXX   XXXX   XXXX     indicating that they represent the bank and will begin foreclosure proces s one mon th of the letter receiving. This action doesnt reflect a good will attitude from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry listed on my credit report as XXXX/XXXX dated XX/XX/18. I did not apply for credit with this company and I've disputed it several times with the credit bureau. They have sent out several letters stating that this has been deleted from my credit report ( attached ) but it still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and Equifax is keeping reporting unauthorized fraudulent inquiries to my credit report, I did disputed several times but equifax never fixed the errors. I did contacted the financial institutions who reported these inquiries, they thankfully did sent me letters stating that theyre sorry and they will contact equifax to remove them from my report. I did sent copies of these letters to equifax many times asking them to remove them but their outcomes always saying the inquiries are accurate. I dont know what to do anymore. Equifax is giving me a hard time and insisted to report wrong inaccurate information to my credit report. 

Unauthorized fraudulent inquiries are : XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Complaint Department, I am filing a formal complaint against XXXX and Comenity Bank/Express for violating the Fair Credit Reporting Act ( FCRA ) and California XXXX XXXX XXXX by inaccurately reporting and unlawfully updating a charged-off account ( Account ending in XXXX ) on my credit report. 

Nature of the Complaint : XXXX is allowing Comenity Bank to update an account they no longer own. 

According to my credit report, Comenity Bank sold or transferred this account, meaning they no longer have the right to update it under FCRA 1681s-2 ( b ). 
Despite this, Comenity Bank continues to modify the accounts status, which is misleading and deceptive. 
XXXX has failed to conduct a proper investigation. 

Under FCRA 1681i ( a ), XXXX is required to investigate and correct inaccurate information. Instead, they continue to allow contradictory payment details to remain on my report : The Date of Last Payment is listed as both XX/XX/year> and XX/XX/year>, demonstrating clear inconsistency. 
The Actual Payment Amount is falsely reported as {$0.00}, despite recorded payments. 
Potential Unfair Re-Aging of Debt. 

If Comenity Bank is modifying this account after transferring it, this could be an attempt to re-age the debt to extend its negative impact on my credit report, which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ). 
Violations of California Consumer Protection Laws : California XXXX XXXX XXXX ( a ) prohibits furnishers from reporting inaccurate or misleading information to credit bureaus. 

California XXXX XXXX XXXX sets a four-year statute of limitations on most debts, yet XXXX Banks continued updates XXXX be unlawfully extending the reporting period. 
Relief Sought : I request the CFPB to investigate XXXX and Comenity Bank for these violations and require : Immediate deletion of this inaccurate and improperly updated account. 
A full explanation from XXXX on what verification method/documents were used to justify continued reporting. 
A review of XXXX compliance with FCRAs dispute investigation requirements. 
I have previously disputed this matter with XXXX, and they have failed to correct it. I request the CFPBs intervention to ensure compliance with federal and state laws. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX
Product: Debt collection

This is to inform you of ; COLUMBIA DEBT RECOVERY LLC DBA GENESIS business practices, when they first had contacted me about this owed debt they had told me not paying them on that day and they would move forward with it and affect my credit. ( i know how reports to credit agencies work ) also on two separate occasions " XXXX '' from the collections team had said to me ; XXXX : XX/XX/2024 XXXX " ask a friend for money '' XXXX XXXX called during work hours : " you should pay today '' " get the money some how '' etc which in my opinion is a malicious way to try and collect a debt, i had spoke with them and they had tried to make me a " deal '' on my collection. however i was informing them that the debt in itself is invalid on a few charges, not going to go into detail but that is the current situation.
Product: Vehicle loan or lease

Please help me if its charged off all these years stuff still on my credit that should be off my credit stolen identity people stealing your information I cant get things I need for me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them.
Product: Debt collection

LVNV Funding LLC XX/XX/20 This is a collection reported to my credit bureau ( XXXX ) and would like them to be removed effective immediately.
Product: Mortgage

Hello. 

In the year of XXXX my condo in questions had a massive flood that was not fully covered under my condo insurance. I had to spend several additional thousands of dollars to have the property repaired to become livable. The property had mold and we could not live in the property during the repairs. We have a XXXX XXXX XXXX at the time. Due to this we fell behind and could no longer keep up with payments on the loan. XXXX mortgage was contacted to try to do sell the property to no avail. 

In XXXX, my mother suffered a XXXX XXXXXXXX that almost took her life. Since the XXXX my mother was not able to XXXX, not able to move the XXXX XXXX of her body and XXXX XXXX. In XXXX of XXXX, I moved to Texas to assist in caring for her during her rehabilitation. 

In XXXX of XXXX, XXXX XXXX started the process of a forecloser of the property. Then in XXXX of XXXX, the condominuim associate purchased the property with no objections from XXXX XXXX and the property was sold to the condomium association and certificate of sale was executed on XX/XX/XXXX. XXXX XXXX lost the property, and then filed again a filed a Notice of XXXX XXXX to foreclose on the property that was already sold and owned by someone else. XXXX XXXX sat on this for over 8 years and theConsent of XXXX XXXX of Foreclosure was finally executed on XXXX of XXXX. 

This forecloser process took XXXX years to process, hindering me to a speedy trial. This has caused me to suffer more than a 7 year penalty of a regular forecloser to be able to recover and try to purchase another home. Now, I am being penalized XXXX years, 10 years more than other forecloser clients, and will have to wait until XXXX to attempt to purchase a home. 

XXXX XXXX dragged this out to an extent that was well beyond the normal processing time. It was a lack of duty on their part to get this completed in a timely manner and I should not be penalized for the lack of effort on this foreclosure. Not only did they not object to the sale of the property in XXXX to try to recoop some of their funds, they also added 10 years of a penalty on me. Their lackluster work efforts on this should be known and I should not be subject to more than double the alloted time foreclosures affect people. In their document they advise that they will sell the property at a public auction, but not sure how they can do so if they no longer own the property. I feel there maybe some inaccurate representations and documentation in their forecloser details with the court.
Product: Student loan

My loan was originally a federal student loan. I signed a promissory note for the loan and was released the funds to purchase books and other school supplies. The school XXXX XXXX XXXX XXXX XXXX, lost or misplaced the promissory note. I 'm assuming because the school lost the note, the gov't agency did not fund the loan therefore causing the school to be out of money. In an effort to get their funds recanted, the school rolled the federal loan into a private school loan ( XXXX for which i did not sign a promissory note ). The school is refusing to release transcripts or allow me to attend classes with an outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 a Home Equity Line of Credit was transferred to XXXX XXXX XXXX. Since 2013 payments to XXXX has been made, not all on time, but in good faith. Since 2013 XXXX has been reporting to the credit bureaus as a collections account. The account was part of the housing crisis and the interest rate was adjusted. Payments have been paid for almost 9 years and the status has not changed. XXXX sent a 1099C for the 2013 tax year. We did not request the cancellation of debt. Since the cancellation XXXX has taken upon themselves to continue to report it as a collections account. I have requested several times for a copy of the note to reflect the status of the account, additional research to resolve the issue and for my own records. I have disputed the account on several occasions and still have not had a clear understanding why this account reflects as a collections account. It is not right or appropriate that XXXX is hindering my ability to repair my credit for 30 years.. Please help
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against XXXX and Navy Federal Credit Union ( NFCU ) for the ongoing and unresolved issue regarding the restriction of my XXXX XXXX access. This situation has caused unnecessary frustration and inconvenience due to both companies ' refusal to resolve a dispute fairly and effectively. 

Background The Dispute : I initiated a dispute with Navy Federal regarding a transaction. Upon realizing the situation, I promptly attempted to close the dispute and repay the amount in question. However, Navy Federal refused to allow me to take this course of action, insisting instead on classifying the matter as frauddespite my clear communication that it was a dispute, not fraud. 

Documentation Provided : I have documented this situation thoroughly in my Navy Federal app, and I provided all relevant documentation to XXXX. Despite this, XXXX has continued to restrict my XXXX XXXX access, citing the unresolved dispute as the reason. 

Attempts to Resolve : I have made multiple efforts to resolve this matter, including reaching out to both Navy Federal and XXXX. Unfortunately, my attempts have been ignored, mishandled, or dismissed. As a result, I am now facing consequences due to mistakes made by these companies, which is entirely unfair and unacceptable. 

Issues Raised XXXX 's Restriction of XXXX  XXXX  Access : XXXX  refusal to re-enable my XXXX XXXX  access after receiving all necessary documentation is both unreasonable and punitive. 
This restriction has significantly impacted my ability to conduct everyday financial transactions. 
Navy Federals Mishandling of the Dispute : Navy Federal misclassified the dispute as fraud against my explicit clarification that it was a dispute. 
Navy Federal failed to provide me with an opportunity to close the dispute and repay the amount, despite my willingness to resolve the matter in good faith. 
Unfair Consumer Treatment : The combined actions of XXXX and Navy Federal have placed an undue burden on me, the consumer. These errors have caused significant stress and inconvenience, while both companies refuse to acknowledge their responsibility or provide an appropriate resolution. 
Desired Resolution To resolve this matter, I am requesting the following : XXXX : Immediately reinstate my XXXX XXXX access. 
Navy Federal : Accurately classify the matter as a dispute ( not fraud ) and provide me with the opportunity to resolve it by repaying the disputed amount. 
Both Parties : Implement better communication and processes to prevent such issues from recurring for other customers.
Product: Debt collection

XXXX XXXX XXXX of LIPPMAN RECUPERO , LLC, an XXXX XXXX with ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX by way of approved actions by himself and/or his employees, contacted me using US mail . The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ]. These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated. The creation of an account in my name without my prior approval nor consent constitutes identity theft and prima facia evidence of conspiring to violate the Gramm-Leach Bliley Act. This type of action of creating false belief in me that I am indebted to LIPPMAN RECUPERO , LLC is also addressed in Presidential Executive Order 13903 XXXX XXXX. Pursuant to www.state.gov website, U.S. & International Law describe this compelled service using a number of different terms, including INVOLUNTARY SERVITUDE, DEBT BONDAGE, or FORCED labor. XXXX XXXX can include, BUT DOES NOT REQUIRE, movement. XXXX profit at the expense of their victims by compelling them to perform labor. XXXX XXXX XXXX on behalf of LIPPMAN RECUPERO , LLC has acted in Bad Faith with Unclean Hands in hopes of unjust enrichment by my demise. On XX/XX/2023 I spoke with XXXX, which he confirmed that LR, LLC has my Full SSN & DOB. He asked if I wanted to make payment arrangements, I told him no, I will be suing. I asked him to place a Cease & Desist on my account, he replied by stating He has placed a DO NOT CALL on the file. I filed an FTC complaint addressing the identify theft being committed by XXXX XXXX XXXX firm creating an account in their books without my consent nor by way of a valid agreement between us as well as addressing them having my information ; being my FULL social security number, Date of Birth, Address and if LIPPMAN RECUPERO , LLC has my bank statements, my shopping habits, location of where I shop, etc; which is ALL nonpublic personal information according to the Gramm-Leach Bliley Act. LIPPMAN RECUPERO , LLC knowingly participated and conspired to fraudulently collect on my extension of credit ; this is a violation under Title 18 894.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureau, This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested XXXX to provide me proof that the alleged late payments are accurately being reported to the credit bureau and as of todays date XXXX has not complied with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to get 1 negative child support cases from reflecting from my credit report for years according to the new credit law established XX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )
Product: Credit card

I ordered a package from XXXX XXXX XXXX in XX/XX/year> for the amount of {$120.00}. After contacting customer service they give me the same answer saying that the package was delivered by " lasership '' ( a company notorious for having shipments missing ). I never received any package nor had my video doorbell rung whatsoever. After multiple attempts for having the items replaced or refunded, it did not help. The following month I made the attempt of filing a dispute with their credit card company. I keep on getting the same answer " To please contact the merchant directly ''. I keep on calling them and writing and no one is willing to help with this matter. Last letter I recieved from them was on XX/XX/year> and still no help. XXXX XXXX XXXX  is irresponsible and of bad reputation as well as the commenity bank card. They rather keep my money for no products received which is stealing in other words. I keep on contacting the XXXX XXXX XXXX through their website and they never respond despite even getting automated e-mails.