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

I have been dealing with an ongoing issue regarding my account ( # XXXX ) for the past five years, with no clear resolution on who owns the debt. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX, does not claim ownership of the account. However, the collection agency XXXX XXXX states they are only authorized to collect on behalf of XXXX, even though XXXX no longer owns the account. 

This situation has left me in a continuous loop, unable to determine who is actually responsible for the debt. Neither party is able to provide proper documentation verifying the true owner of the account, making it impossible for me to resolve this matter. 

I am requesting that XXXX provide a formal assessment of the debt, including confirmation of ownership and a detailed breakdown of the account history. This ongoing lack of clarity has caused unnecessary complications, and I need a resolution as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the collection agency below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. In accordance with the Fair Credit Reporting act 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. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts. 15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. Account : XXXX XXXX XXXX ACCT # XXXX
Product: Student loan

numerous calls XXXX received 6 calls from Navient at XXXX XXXX received 4 calls from Navient at XXXX XXXX received 4 calls from Navient at XXXX XXXX received 5 calls from Navient at XXXX no voice mails left, no one talked when answered. found out the calls were from Navient after doing a reverse number lookup.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on XXXX equifax and XXXX.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.
Product: Checking or savings account

I was admitted into a XXXX facility on XX/XX/2023 and prior to that all services were cancelled with XXXX. I noticed in XX/XX/2023 that XXXX was still withdrawing money from my account. I contacted Wells Fargo in XXXX and asked them to stop the automatic withdrawals there was no withdrawals in XXXX ; however, they started again in XXXX. I XXXX and have no access to a computer in this facility and wasn't aware of this until in or around XXXX when my sister accessed my bank statements.
Product: Debt collection

I had a collections placed on my credit report on XX/XX/XXXX. The collections account was placed by Southwest Credit Systems. It states that the original creditor is XXXX. I contacted Southwest Credit Systems by phone, without admitting liability to the debt, or making a payment, they disclosed that the original date of delinquency was XX/XX/XXXX and that the debt was time barred as of XX/XX/XXXX. I plan on sending CFPB form letters to get this information in writing. My concern is that they may be attempting to re-age the debt by placing it on my credit report for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXX  XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX  sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX  has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1. XXXX XXXXXXXX XXXX Account # XXXX, Address ID # XXXX 2XXXX XXXX Account # XXXX 3. XXXX Account # XXXX 4. XXXX XXXX XXXX XXXX Account # 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 or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, IL XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Re : Dispute of Unauthorized Hard Inquiry on My Credit Report Dear Sir/Madam , I am writing to dispute a hard inquiry that appears on my credit report, which I believe was made without my authorization or consent. Below are the details of the inquiry in question : Date of Inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ] Company Reporting the Inquiry : [ Experian XXXX XXXX ] Type of Inquiry : Hard Inquiry Account or Application : [ Optional, specify the purpose if you know ] I have reviewed my credit report, and I do not recall providing consent for this inquiry. I request that you investigate this matter and remove the unauthorized inquiry from my credit file. 

I am including the following documentation to assist in your investigation : A copy of my government-issued ID ( for identity verification ). 
A copy of my credit report with the disputed inquiry highlighted. 
Any other relevant documentation ( if applicable ). 
Please notify me of the outcome of your investigation. I would appreciate a resolution of this issue as soon as possible and request that you inform me of any actions taken. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit card

i have a jet blue credit card under XXXX 's bank number XXXX XXXX XXXX XXXX i received a notice of a possible fraudulent transaction -not true and i should call a certain number. i called and they have a recording that the minimum wait time is over XXXX hours,. i kept myself working on my computer for XXXX hours and nobody answered. i called a XXXX time. same message. there is no email acct. i am going to drop this card within a month. there are companies who give you the option to leave your number and they will call you back later. this company does not and therefore you have no means of contact. this occurred XX/XX/ at about XXXX XXXX my name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602, States I have a right to privaticy.15 USC 1681 section 604a Section 2. Also, states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b. A creditor may not treat a payment on a credit card account under an opened and consumer credit plan as late for any purpose
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 : XXXX XXXX XXXX  XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XXXX XX/XX/XXXXand XXXX XXXX XXXX XX/XX/XXXX CB/VICSCRT XX/XX/XXXX and XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I spoke with a company who Identified themselves as XXXX XXXX XXXX  verbally and via email. they are claiming that they are handling my debt from Huntington bank. here 's the problem prior to XX/XX/XXXX ( XXXX day ) I had no previous knowledge of an attempt to collect a debt and the company was just looking for the debt to be satisfied right away and wanted my card information. upon feeling unsure I contacted the company multiple times but always got different answers. So in short the company made me aware of Huntington bank planning on suing me if the debt is not settled. the issues here are that neither Huntington nor XXXX have any knowledge of a lawsuit and upon asking this company what regulator governs collections agency they blocked my number from being able to call. Also the most important thing in all of this is that the debt to Huntington was charged off in XX/XX/XXXX which is over 7 years ago and in Ohio statute of limitations are six years regardless of the type of debt. The time limit is counted from when a debt became overdue or when a borrower last made a payment, whichever happened more recently. If its been more than six years, a creditor can not sue a debtor for debt collection purposes. Please investigate thoroughly the only information I have on the company is their phone number which is XXXX and they sent me and email that came from XXXXXXXXXXXX
Product: Mortgage

This company keeps applying my payments wrong and I have done the math for my escrow balance and expect amounts for my taxes and insurance and they are over charging me for taxes and home owners insurance. I was a prior XXXX XXXX for the State of Missouri I know how mortgages work forwards and backwards and how loan payments are supposed to be applied. I can already tell that the people entering the mortgage payments for this company are not properly trained and are not following policies and procedures. Furthermore, this is the second complaint I filed with the CFPB about LoanCare in 3 month and this company didn't correct how they apply my payments they screwed it up again after " fixing '' their error to my account 2 months ago. This isn't rocket science you pay the the predetermined principal and interest then the remaining payment amount goes into escrow account. Train your employees!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a theft belonging to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Ohio that is not me on my credit report. My name has never been XXXX XXXX and I have never been charged with theft nor lived at that address. Thank you!
Product: Credit reporting or other personal consumer reports

I have file an FTC Complaint, Report XXXX XXXXXXXX against Capital One for fraud. This company continues to place erroneous credit files on my credit file. I have had no business with Capital One or benefited from the use of a Capital One credit card. 

The account XXXX does not belong to me. This company only changed the remarks on this account and does not verify the account. I have been provided no proof that I have entered into any contract with this consumer. Stated that you have an address on file for me is not validation. Per the FCRA, this account should be removed immediately. 

Also this account is listed as a charge off account. I have not received a XXXX for the amount charged off if this is indeed attached to my credit file. Remove the account or failure to remove account entitles me to compensation per the FCRA.
Product: Mortgage

I applied for a new construction loan with cardinal financial. I was working with a contractor who was vetted and used by the bank prior to my loan. Long story short the contractor was associated with a company named XXXX XXXX  who have been ripping people off and didnt have license contractors and were taking peoples first draws, and not proceeding with the building process. I was working with the same company until I saw the red flags and was introduced to another builder which was vetted by the bank cardinal financial fast for fast forward several months they received my first draw a {$43000.00} and have not done any work on the property in months and will not communicate with me on refunding my money after termination, I found out that they were part of XXXX XXXX scheme, notified the bank, which did further research and found out that there were over 10 other clients of the bank who have been dealing with the same contractor and building company, we have all gotten together and realize we all had the same bank in common and reached out to them for help and they told us we were on our own on getting our money back. I do not believe that is fair being that there were several customers of theirs that were Friday by the same people and associates of the same people.
Product: Credit reporting, credit repair services, or other personal consumer reports

above plus : continued failure to investigate within 30 days- insists that credits give them " updates '' and takes sweet time instead of bureau removing the debt.
DEBT NEVER OWED, DENIED IN FULL under FCRA. IMPROPERLY REPORTING-yet shows CRETIFIED ACCURATE.
NO PROOF SENT TO ME of contact made to these companies 4 mos now.I demanded proof. I dont need to keep send in my blood type and starship name.YOU HAVE IT ON FILE. I HAVE NOT MOVED RECENTLY. STOP REPORTING THAT I HAVE to block access.
refuses to remove these accounts. keeps " updating them '' instead. If the company XXXX me for over 12 mos now and STILL HAS THE ACCOUNT for some XXXX up reason ... I DONT OWE IT. YOU CANT EXTORT ME.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX, Your recent response in regards to Account Number : XXXX, including the payment history and verification, fails to address the core issue of inaccurate credit reporting and provides no sufficient proof to support the negative marks on my credit report. Despite your attempts to justify this, it is clear that your reporting of late payments for the months of XXXX, XXXX, and XX/XX/year> is inaccurate, misleading, and violates FCRA XXXX ( b ). 

XXXX XXXX with Your Documentation : The payment history you provided shows that payments were not made on time due to your failure to act within the XXXX grace period, and the fact that these payments were " made by XXXX with account closure '' only proves your negligence in handling the account. This is a misrepresentation of the facts that has directly impacted my credit standing. 
Your statement regarding payment reminders being sent to my email does not constitute verifiable proof of delinquency. Simply sending reminders does not meet the legal requirements for accurate credit reporting under FCRA XXXX ( b ), which mandates the highest level of accuracy. 
Reporting late payments when you closed the account and made payments on my behalf is not only misleading but also potentially fraudulent and a clear violation of federal law. 
Demands : Given your continued failure to address this issue with valid proof or a legitimate explanation, I demand the following actions be taken immediately : Immediate Removal : You must immediately remove all negative and inaccurate information regarding my XXXX XXXX XXXX XXXX from all credit reporting agencies ( XXXX, XXXX, etc. ). Your documentation does not support the claim of delinquency, and continued reporting is in violation of the Fair Credit Reporting Act. 

Cease Reporting : Until this matter is fully resolved, you are required to cease all reporting of this account to the credit bureaus. Failure to do so will be considered willful noncompliance and further damage my credit profile unlawfully. 

Legal Consequences : Your failure to act within XXXX  Days of receiving this email will result in immediate escalation. I am prepared to take the following steps : Initiate legal action for damages caused by this inaccurate reporting, seeking remedies under FCRA XXXX and XXXX, including statutory damages, punitive damages, attorney 's fees, and other associated costs. 

Conclusion : This is your final notice before I escalate this matter through legal channels. Your documentation is inadequate, and your reporting is in violation of federal law. I expect a full written confirmation of the removal of this inaccurate information from all credit bureaus within XXXX days, or I will proceed with legal action without further communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Has consistently ignored my request about a particular account that they DELETED off my credit report without any permisssion or request. XXXX XXXX did not remove the acct and in fact called Transunion and told them we didnt remove here acct it is in good standing and they report on the acct monthly Transunion said they removed themselfs and refuse to add it back and knowing that it was there error. When they removed this account which by the way out of all three bureaus only them. it caused a XXXX pt drop in my score and caused my XXXX to drop in the middle of my Refi. I was approved and then like that this spike happened because it affected my debt ratio. 
I never disputed, complained or ask for this to be removed. 

( this acct needs to be added by, Transunion made a mistake and refuse to own up to it and put acct back ) Account # last four XXXX XXXX XXXX XXXX XXXX date opened XX/XX/2021 credit limit XXXX balance {$00.00} acct is paid after its used asap Note : I wrote them, I sent letter from XXXX XXXX. 
WHAT ( TRANSUNION ) DID WAS MAKE A MISTAKE. THERE WAS XXXX XXXX ACCOUNTS IN WHICH THE OTHER ONE WAS OPENED IN XX/XX/XXXX XXXX LIMIT {$200.00} BALANCE PAID IN FULL. AND IT WAS CLOSED XX/XX/2021. THIS WAS A SECURED CARD- TRANSUNION XXXX A MISTAKE AND CLOSED THE ACTIVE ACCT WHICH ENDS IN # XXXX, WHICH WAS OPENED XX/XX/2021 IN ERROR
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, EQUIFAX MTG Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Hard Inquiry, I don't recognize XX/XX/XXXX Hard Inquiry, I don't recognize
Product: Credit reporting or other personal consumer reports

practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.