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

It has been established that you are not interposing records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00}
Product: Credit card

The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

Navy Federal Credit Union XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I acquired the services of Lexington Law, a credit repair company with the hope they would be able to assist in removing already paid, negative items on my credit reports. Before signing up, I explained my situation in detail to the representative that took my initial call. This person was very empathetic and seemed to understand what I was needing help with. I was hesitant to obtain services from any business that claims to be able to help with credit repair and was sure to express this concern with the representative this during our call. She assured me there would not be any problems and was sure Lexington Law would be able to assist me. 

After agreeing to the service and signing documents, I waited a few days then called to speak with someone about the action they would be taking. I was transferred to someone who seemed to not understand what I was saying and asking. After spending approx. 5 minutes explaining everything again, the person asked if we could go through the negative items on my reports and decide what action to take. This phone call lasted approx. 45 minutes. 

I understood it could take up to 45 days to begin seeing progress and patiently waited to see that. By XX/XX/XXXX the Lexington Law webpage looked to be showing significant progress and I was very happy. I was in the process off refinancing my home and felt confident the work being done by lexington would help. About a week later, my refinance was declined due to items on my credit report that had been reported to have been removed by lexington. I called XXXX directly to obtain a copy of my credit report. While speaking with the XXXX representative I asked about some items on my report that lexington had claimed to have removed. The representative said nothing had been removed. In fact, the XXXX rep suggested hiring a credit repair company to help me with this. 

Upon getting my credit report directly from XXXX, I learned that lexington law had mislead me into believing they were able to remove several items. XXXX and XXXX have shown the same results. 

Over the last few months of being a client to lexington law, I called often to inquire about progress and address questions and concerns. Everytime I spoke with someone that either didn't understand or did not care to understand. The last person I spoke with went so far as to laugh at me and say this is just the way it is and I need to keep paying if I want any help. I cancelled my account immediately after this call. 

I would like to be reimbursed for the last 3 months in the amount of {$380.00}. 

The cost of using Lexington Law has been much more than monetary as the emotional toll and stress has caused much more damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened with XXXXXXXX XXXX XXXX 
In accordance with the Fair Credit Reporting act XXXXXXXX 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 15 U.S.C 1666B : 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, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : THIS IS A FOLLOW-UP FOR COMPLAINTS XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX. 

XXXX XXXX, XXXX XXXX owe me {$3200.00} ( XXXX since 2017 ), {$500.00} ( XXXX XXXX ) plus expenses. The Judicial Arbitration and Mediation, JAMS, continue to delay the inevitable. JAM 's Senior Case Management, Mr. XXXX XXXX need to get the proof ALL PARTIES HAVE RECEIVED THE REQUESTED INFORMATION FROM MULTILE MODALITIES : EMAIL, ONLINE, TELEPHONE, CONSUMER FINANCIAL PROTECTION BUREAU, CFPB, AND ETC. TIME TO HOLD THEM ACCOUNTABLE ( CONSUMER FINANCIAL PROTECTION BUREAU, CFPB, COMPLAINT NUMBERS XXXX, XXXX, AND XXXX ). SERVICE OF PROCESS EFFECTUATED AND PROOF OF SERVICE OF PROCESS INCLUDED, JUDGMENT {$500000.00}, Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

Copy of letter sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I am writing to you as a creditor in the bankruptcy case of XXXX XXXX, which is well-known to have declared bankruptcy in the summer of XXXX. Like many others, I was impacted by this unfortunate event and have been awaiting the distribution of the bankruptcy settlement, which is being administered by Stretto. 

On XX/XX/XXXX, I received communications from Stretto, outlining the procedure to claim my distribution through XXXX. These communications included separate claim codes for Bitcoin ( BTC ) and Ethereum ( ETH ) holdings. However, my attempts to redeem these claims have been fraught with systemic issues, leading to an inability to access the funds rightfully owed to me. 

Initially, a technical glitch in XXXX form prevented me from entering my date of birth in the required format, thus stalling my claim redemption process. After a delay of several weeks, hoping that this technical issue would be resolved, I encountered further obstacles. Despite successfully entering my details, XXXX system was unable to verify my identity, repeatedly failing to progress past the verification stage. 
Subsequent interactions with XXXX customer service yielded no resolution, and their advice to contact Stretto led to an equally frustrating dead end. Despite multiple attempts to reach out to Stretto via phone, email, and their customer service form, I have received no substantive response, only automated replies indicating a high volume of inquiries. 

My persistent efforts to redeem the claim codes through XXXX continue to be met with the message : " We are unable to redeem that code. Contact Stretto for more information. '' This has left me in a distressing limbo, unable to access the settlement funds, which represent a fraction of my original investment following the significant losses incurred due to the collapse of XXXX. 

This situation not only exacerbates the financial distress experienced by many creditors but also raises concerns about the efficiency and reliability of the mechanisms established for the distribution of the settlement. It is disheartening to witness continuous hurdles in accessing what is owed to us, especially after enduring the substantial financial and emotional toll precipitated by the collapse of XXXX. 

I respectfully urge the court to intervene and mandate immediate corrective action from both XXXX and Stretto. It is imperative that they address these systemic issues promptly and ensure that all affected XXXX bankruptcy claimants receive their entitled distributions without further delay or hindrance. 

Your attention to this matter is not only crucial for the timely resolution of my individual case but also signifies a broader commitment to upholding the rights and interests of all affected creditors in this bankruptcy proceeding. 
Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize them and they do not have a Permissible Purpose on my behalf.

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

15 U.S.C 1681 Section 604 A Section 2 : 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 ) ( a ) 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. 

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX. Date : XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. & 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required XXXX-day period ( 15 U.S.C & 1681i ( a ) ).
Product: Mortgage

My loan was sold/bought by MrCooper with my first payment to them being XX/XX/2021. I have made my payment since XXXX, in full and on time each month. I keep getting all kinds of pressure notices of rates I can use to redo my mortgage because I have equity. I have never responded except to ask them to stop sending me an email each day of the week. This took about 4 tries before they then started mailing me letters instead. 
They have recognized me in that instance, but has never updated the balance I actually owe with any of the credit reporting agencies, so that my credit can be impacted in a positive manner, even though I am paying. I monitor my credit.
Product: Debt collection

This is not my debt. This debt belongs to someone with a different name than mine. The company has fraudulently reported the debit to credit bureaus added an address that I have never lived and it is now on my credit report. I have not been notified of the debt. Also this company is can not legally collect a debt in the state in which I reside.
Product: Checking or savings account

I signed up and opened a citibank checking account late XX/XX/2020 to take advantage of the XXXX thank you point bonus for signing up after you spend {$750.00} and make 2 bill payments within 60 days. I did complete those terms and citi bank has not credited my account. They have not gotten back to me after I complained.
Product: Debt collection

I believe that I was Sued in supreme court of a judgement against me from ( Pressler. Felt & Warshaw, LLP ) for the amount of ( {$1000.00} ) claiming to collect the debt of ( XXXX XXXX XXXX  ). but after trying to confirmed the information, which can't confirm not a single thing. I believe this is a act of Forgery on the primises of Falsifying Documents.

Reasons of Forgery 1st. Docket Number ( XXXX ) does not exist in court records, indicating there were no law sued file and won by Pressler, ( Felt & Warshaw, LLP ) of  any kind 2nd In my credit report and public records there are no mention of ( Pressler , Felt & Warshaw , LLP ) Judgement of any kind.

3rd The certified mail tracking numbers only indicted that it's were delivered, that's it.

no sender, or history of any kind.
Product: Mortgage

My mortgage was recently transferred to XXXX from Sterns/XXXX. My loan was paid off in full on XX/XX/19 by wire from escrow as I had sold the house. Sterns/XXXX did not apply the payoff amount the day they received it. They instead held the money and then on XX/XX/19 took another payment from my checking account. Then on XX/XX/19 they transferred servicing to XXXX WITHOUT applying the monies they had received that were sufficient to payoff the loan as of XX/XX/19. XXXX then applied the funds on XX/XX/19 and my extra payment is now some how missing as they say I am only getting {$35.00} back after applying all of the funds. First of all the loan should not have been transferred. Second this transaction vioaltes RESPA by not applying the payoff on the date it was received XX/XX/19. Third Sterns illegally kept monies for a payoff they did not process. Fourth XXXX can not apply funds received on XX/XX/19 and XX/XX/19 on XX/XX/19.
Product: Debt collection

A letter requesting in investigation into this matter was send to all three credit bureaus with no response. I would like for these accounts removed form my credit profile. XXXX XXXX Balance : {$190.00} Account # XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Balance : {$360.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$800.00} Account # XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1400.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX Assoc Balance : {$450.00} Account # XXXX Open : XX/XX/XXXX XXXX XXXX XXXX Balance : {$710.00} Account # XXXX Open : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023, I deposited my XXXX Pension check into my Chase bank account. The teller informed me that the check needed to be sent for collection. I asked her why since I deposited at least 36 of these checks, and they did not need to be sent for collection. Her response was the computer told her. ( By the way, I deposited at least three more checks after this date. ) I was puzzled, and the teller said it would be deposited the next day or week. The check was not deposited the following week. I called the 1800 number on the forms, but I was waiting for someone to pick up the phone. I went to the branch, and they tried to reach the same number, and no one responded to the line. 
I sought help from Chase bank management, but they were no help. 

On XX/XX/XXXX, my check was deposited, but a collection fee of {$110.00} was charged. I asked my banker for help since I was never charged for the deposit of my pension check. He said he " notified the banker and branch manager at the branch at XXXX XXXX XXXX about your situation, and they assured me that they will look into it and notify you once they have received some answers or a solution. '' I received a voicemail from XXXX XXXX XXXX from the local branch asking to call back. I left three voicemails and have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. Collection/Charge Off 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Back on or about two weeks ago I submitted a dispute in the amount of {$540.00} against XXXX XXXX. And the PNC Bank Phone Representative assured me that if they dont hear from the XXXX XXXX within a specific amount of time the provisional credit of the disputed amount would be credit amount would be placed in my account. Well that time has passed and absolutely nothing has been done on PNC Bank. In the meantime they sends me this Dispute Form in the mail and expects me know their modern technology now this particular form is much different than the prior forms they had given me and this is done out of spite and envy
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case. 
TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate across different months and reporting periods. Specific discrepancies include : Late payments incorrectly reported for the following months : XX/XX/XXXX and XX/XX/XXXX. 
Different late payment statuses reported across credit bureaus. 
Dates of delinquency that do not align with the accounts actual payment history. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness. 
Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

You can't demonstrate any of the data referenced in the past credit report information that I challenged with. The data that you showed in my credit report I previously requested a proof of how you managed this.