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

According to XXXX XXXX, since XX/XX/XXXX, a late payment with XXXX XXXX ( Creditor ), a financier for XXXX, reported a late payment to the credit bureaus that are not accurate. The credit bureaus reported a late payment from XXXX XXXX that are not accurate. This resulted in XXXX points. 

Retainers were ordered from XXXX ( Merchant ) back in XX/XX/XXXX. Nothing was received and I followed up on XX/XX/XXXX, and there was no response from customer support whatsoever. I received an automated email that XXXX was undergoing a lawsuit between XXXX XXXX. I stopped payments due to a stop in treatment. 

After being followed up with by XX/XX/XXXX, approximately five months later, regarding my XXXX  treatment and finally being provided next steps in my treatment plan, I then paid the balance due, up-to-date, to XXXX XXXX. 

Therefore, the late payment reported is not accurate and needs to be removed. 

Since XX/XX/XXXX, XXXX removed a collection as a result of a dispute, but deducted XXXX points for a small increase in a closed account XXXX XXXXXXXX XXXX XXXX 

XXXX points and XXXX points for a small and yet inaccurate report is a very drastic drop and should be investigated on the competence and level of compromise in mishandling credit reports and the misuse of them by the credit bureaus, along with the measure in which they calculate such deductions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Bankruptcy Reporting on My Credit Report To Whom It XXXX Concern, I am writing to formally dispute an erroneous bankruptcy account listed in the public records section of my credit report with XXXX, XXXX, and TransUnion. This information is inaccurate and is not mine, as I have never filed for bankruptcy in my life. 
To address this issue, I visited the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with a clerk named XXXX. After I showed her my credit report and the bankruptcy entry in question, she asked for my personal information to verify whether my name appeared in their records. Upon completing the search, XXXX confirmed that my name does not appear in their system and that the bankruptcy reported on my credit report is an error. 

XXXX further explained that there are numerous individuals named XXXX XXXX in XXXX XXXX XXXX alone, which likely caused this mistaken reporting. She assured me that the bankruptcy listed on my credit report does not belong to me and is being inaccurately reported. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information promptly. As this information is clearly erroneous, I request the immediate removal of the bankruptcy account from my credit reports. 

To support my dispute, I am providing the following : A copy of my credit report with the inaccurate bankruptcy entry highlighted Below is the bankruptcy that is incorrectly info reporting on my XXXX, XXXX and TransUnion credit report 's : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number : XXXX Please complete your investigation and remove this incorrect bankruptcy entry from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX was reporting on my credit report and I had a lawyer investigate this company and it's not a real credit card company and it has been removed from my XXXX credit report but not Experian or XXXX Credit report and I do have proof showing it has been removed from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach.

I am writing to formally request the blocking and deletion of certain accounts from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 605C, and the guidance provided by the Consumer Financial Protection Bureau ( CFPB ) This request is being made due to my status as a victim of XXXX, specifically debt bondage, which is recognized under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I have a letter from an advocacy group assisting me, affirming my status as a victim of XXXX XXXX.

These documents should meet the requirements laid out by the CFPB for the blocking of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my XXXX credit report by the following companies ; 1. XXXX XXXX XXXX on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with XXXX and Chase and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deciding to reach out to CFPB because I have made my payments owed to National Credit Systems in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to XXXX XXXX XXXX for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against National Credit Systems, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX XXXXXXXX and contains erroneous details that do not reflect my financial history accurately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. 
Open Status : This account is not supposed to be listed as " open ''. This account is inaccurately listed as such.

Payment status : This account is reporting as " Missed Payment '' on my report. 
No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. 

I urge you to take the following actions promptly : Investigate the inaccurate information. 
Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 
Correct my credit report accordingly and provide me with an updated copy. 
I expect these corrections to be made within the 30-day period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Product: Mortgage

I have been trying to resolve several issues with SLS, ( now has recently changed names to Shellpoint, a division of XXXX XXXX ) through the XXXX  with multiple Qualified Written Requests, as well as through an open mediation with the State of Illinois. 

I am representing myself in the foreclosure case. My old attorney was granted leave, and the other attorney just left without filing the exit paperwork with the courts. The firm that attorney worked for has been closed for well over a year. 

SLS thinks that the RESPA attorney that has they have been sending paperwork to is my current attorney. I have supplied SLS with a letter from that RESPA law firm, stating that they do not represent me in the foreclosure. They are not on retainer with me currently either. I have also informed the judge of this information as well. The judge is the one that asked if I was good to represent myself going forward. I am good with representing myself. SLS would know this if they talked to their law firm on the foreclosure case. 

I am having problems with SLS stating 9 times in writing that SLS is unable to send the information that I have asked for. The last response that I sent through the XXXX, I stated that if they would not fulfill my QWR, that I would send all XXXX that I had at that time to the RESPA attorney for violating RESPA Regulation X. SLS has been addressing the replies to the RESPA attorney, and this last one SLS clearly states " SLS respectfully declines your request for compensation in order to settle the complaint. Additionally, we decline the stipulations outlined in your complaint. '' That was a complete quote from XXXX ( XXXX ID XXXX ), a Customer Care Support. 

I believe that this is a total violation of RESPA Regulation X and that SLS is using this person as a fall guy when SLS gets caught doing something wrong.

I would like to have the CFPB explain to this company that whether or not I have representation that SLS needs to follow the same requirements that every other third party mortgage servicer is held to. 

The dates that SLS violated Regulation X are as followed : XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 - this was to the RESPA attorney XX/XX/2024 XX/XX/2024 - this was to the RESPA attorney At this time I can only upload the XX/XX/2024 file. I can upload the others to this complaint if they are needed, I will need to pull them from the XXXX correspondences. 

The letter dated XX/XX/2024 is the letter that I quoted SLS telling me that they wont pay any fines for violating Regulation X. I have also sent that letter to the State, to be added to the open mediation that I have going on with the State of Illinois Attorney General Consumer Fraud Division.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

Experian has egregiously failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a thorough and reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the persistence of inaccurate, incomplete, and unverified accounts on my report. Despite providing ample, substantiated evidence that these accounts are not mine, Experian has failed to remove the disputed items, leaving them unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting widespread systemic failures, including their refusal to forward consumer-provided evidence to furnishers, their acceptance of unreliable responses from furnishers, and their failure to notify consumers properly of dispute outcomes. These serious issues mirror my experience, where Experian has disregarded its legal duty to resolve disputes in a fair and timely manner. As a result, my credit standing has been adversely affected, causing ongoing financial harm and damage to my reputation. 

I am requesting immediate corrective action to permanently remove the disputed accounts from my credit report. Experians blatant inaction not only violates federal law but also infringes upon my consumer rights and the integrity of my financial standing. I demand that these inaccuracies be corrected without further delay.
Product: Checking or savings account

Chime allowed a transaction to take place at XXXX on Friday, XX/XX/XXXX for {$14.00}. I did not make this purchase at XXXX. I received an email from Chime stating that someone had tried to use my debit card at XXXX and because that individual put in the wrong pin number, Chime canceled the transaction. However, the money is still missing from my account and no one at Chime can tell me why. My mother and I were also promised {$100.00} dollars for referring her ( XXXX  XXXX ) to Chime and they refuse to pay us. I have XXXX other transactions that were canceled by XXXX XXXX for {$42.00} and XXXX for {$45.00} that Chime has failed to return to my balance. I requested that my Chime account be closed permanently and Chime agreed to do so on XX/XX/XXXX, I believe. I am worried that Chime will close my account without refunding any of my money.
Product: Debt collection

I contacted the company ( Portfolio Recovery ) in attempt to have this removed from my credit. I informed this company that they were reporting illegally due to not being able to verifying that the debt they are reporting is mine and providing no proof that I owe this debt to them. Theres no written contract provided or any legally binding documents proving that I owe this company any money. 

This company only sent me credit card statement which doesnt prove that I owe this debt to them.
Product: Mortgage

Mortgage representative for Mr Cooper, XXXX XXXX XXXX made rude and disparaging comments towards myself. Was very hostile over the phone in regards to my XXXX XXXXXXXX and refinance application. Denied me due process to look into other options. Stated he will terminate and deny my application if I didn't give him an answer over the phone.
Product: Checking or savings account

I keep receiving a text message to call First Citizens Bank at XXXX because my debit card is closed. I dont have an account with First Citizens. Its spam and they wont stop texting my business number - XXXX
Product: Credit card

I am writing to express my profound dissatisfaction and concern regarding my recent interactions with JP Morgan Chase Bank, where I have been a loyal customer for many years. 

I believe that my concerns and requests have been handled in a manner that is not only dismissive but also discriminatory. This has left me with the disturbing feeling that my treatment may be based on my race, XXXX, or ethnicity. 

Specifically, I have encountered the following issues : Delayed Responses and Lack of Attention : I have noticed a significant delay in response time regarding serious issues with my account. It feels as though there is a deliberate attempt to neglect or sideline my concerns. 

Dismissive Behavior : On several occasions, the representatives I have spoken with have downplayed or misunderstood my concerns, making me feel unheard and invalidated. 

Unjust Decisions : Decisions made regarding my disputes appear to lack merit and instead seem influenced by factors unrelated to the case at hand, making me question the bank 's impartiality. 

Poor Communication : Despite my repeated attempts to communicate and clarify the concerns about my account, I have consistently received unclear or non-transparent explanations. This has caused additional distress and confusion.

Denial of Resources : I specifically requested information and resources related to XXXX to voice my concerns, but my requests have been ignored or denied without a valid reason. 

It is of utmost importance for me, as a customer, to feel valued and treated fairly by the financial institution where I entrust my money. I am deeply troubled by the possibility that my race, XXXX, or ethnicity could influence the treatment I receive.
Product: Credit card or prepaid card

I filed fraud activities on my credit card statement but Chase Bank never took care of this issue. I called Chase multi times to go over but never called me back. They sent me a letter stating it's all valid charges becuase I got benefit from those charges, I even sent out the letter to Chase back in XX/XX/2019 asking what kind of benefits I received except bunch of unauthorized charges? Chase never replied my letter. 
Last conversation I had with one of officer with Chase stated that some of the package using my credit card were sent to some name XXXX XXXX and they resolved as my charge since we have same last name as " XXXX ''. As you know more than 40 % of XXXX people have same last name as " XXXX '' just like " XXXX '' in US. I requested to re-open this case but my requested was ignored. I told an agent at Chase that I have similar case going on with some one name XXXX XXXX but never responded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold from XXXX to Mr. Cooper ( Nationstar ) on XXXX XX/XX/XXXX and Mr. Cooper failed to honor the original terms of the mortgage. When my loan was with XXXX, it was covered with SCRA credit reporting suppression ; however, Mr. Cooper failed to honor this coverage and disregarded my original coverage. I am XXXX XXXX XXXX XXXX and XXXX XXXX  ( moved from XXXX to XXXX ) and during the COVID they still reported late payments to the credit bureaus, even though i notified them in XX/XX/XXXX that i was selling the home and asked for the COVID forbearance. However, the main issue is that my mortgage was protected from credit bureau reporting per my XXXX XXXX assistance.
Product: Credit reporting

I have a hard inquiry on my Transunion credit report from a company called XXXX XXXX XXXX. I have had no dealings with this lender nor have I authorized any inquiries on my behalf. This is a fraudulent inquiry.
Product: Credit reporting or other personal consumer reports

It is apparent that ( according to the enclosed report ) these companies are very unreliable when it comes to reporting my data accurately. All of these errors are on my credit reports and should be updated. 
Please also note that XXXX and XXXX show that I have a 30 day late payment when Experian is showing two. However, I am certain that I made ALL my payments on-time.
Product: Credit reporting or other personal consumer reports

Previous complaint filed XXXX and XXXX XXXX XXXX XXXX account XXXX {$38000.00} This is complaint # XXXX. I am a victim of identity theft and as a result this account is appearing on my credit report still identity theft, fraudulent and unauthorized. I have attempted to submit a Block Request to Experian as well as an Identity Theft report from FTC XXXX Federal Trade Commission ) with several police reports from two different jurisdictions since XX/XX/XXXX until now to no avail. I have been sending several police reports and Ftc reports for 4 years were not removed! This is a violation! I have sent police reports from two different jurisdictions XXXXXXXX XXXX XXXXXXXX and XXXX XXXX as well as several more from XXXX XXXX. I have sent several FTC reports and affidavits for the following that you refuse to block and remove : XXXX XXXX XXXX account XXXX {$38000.00} I have also sent letter of intent to sue and also letter from XXXX stating that they have verified that IT IS ID theft and you ignored it I will proceed with legal action for this violation and also seek emotional damages since you have ignored all my cries for help to resolve this matter. I XXXX XXXX give Experian authorization to proceed with this complaint. My federal protected consumer rights are being violated by Experian refusing to follow the FCRA laws and failing to open proper investigation with no documentation attached I request again remove/block theft account ; XXXX XXXX XXXX This account caused me to have XXXX  become homeless, XXXX XXXX  and denied credit I am ready to move forward with litigation if accounts are not removed. I am involved in several breaches and receiving blackmail emails demanding money listing my personal identifying information stating XXXX XXXX  watching me. I also asked for validation original contracts from Experian and creditors XX/XX/XXXX, XX/XX/XXXX and previous dates and did not receive it! All Experian say is several years ago status was disputed and not ownership. FCRA 15 U.S.Code 1692g and 1681 - Validation of debts states it must be removed if debt is not validated showing instruments it must be removed. Admission equals deletion this account was removed from XXXX and XXXX which means Experian has to comply. I reserve my right to sue you civil in the court system, which will result in my seeking the maximum allowable penalty for each item
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX XXXX has placed 2 missed payments on my credit report, I need an investigation. I need proof of the alleged payments being late or update payments history to paid as agreed
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against EQUIFAX Credit Bureau regarding their handling of my identity theft case. Despite following the proper protocol as outlined by the Federal Trade Commission ( FTC ) for identity theft victims, and as stipulated by the Fair Credit Reporting Act ( FCRA ), I have yet to receive any response from EQUIFAX. 
I have submitted XXXX separate complaints to EQUIFAX on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> Each complaint included all required documentation and information as recommended by the FTC for identity theft victims, including an FTC Report and a Certified Police Report. It has now been approximately XXXX days since my initial complaint, and I have not received any acknowledgment /response from EQUIFAX, XXXX has these fraudulent account been removed. 
The lack of communication and action from EQUIFAX has caused significant distress and inconvenience, as my credit report remains compromised. I am seeking assistance from the Consumer Financial Protection Bureau to ensure that EQUIFAX addresses my complaints promptly and takes the necessary steps to rectify my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 25 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This company refused to send a signed contract bearing my signature on it showing I owe the debt. I waned document showing when this account was originally open. And make sure its not a zombie debt or a re aged debt. This company only provide me with internet print out with hardly no info on it
Product: Debt collection

They call 8-10 times over a 20 min period daily from different numbers and use different agents. They call at 830-850 in the morning, during my work hours. I have asked them to stop calling until after 5 and they refuse. The agents are all professional but the company does not have anything set up to stop this from happening. Even after saying I was going to file a complaint they continued.
Product: Debt collection

Dynamic Recovery Solutions is attempting to recover a debt of {$790.00} that is not mine. I have never had a contract or account with them. 
Thy even state in their letter that they are not the original account holder and that it was XXXX XXXX XXXX XXXX XXXX. I'm not familiar with them either. 

If I have no written contract with Dynamic Recovery why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. 

I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation.

I have sent a letter directly to Dynamic disputing these charges and account a week ago.